Covina, CA · Cert 35448
FDIC · 8 branches
Q4 2014
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #46 of 135 inst. · $0.6B of $404.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.07% | 0.55% | 0.67% | 0.60% | 0.74% | 0.69% | 0.58% | -9 bps | |
| Return on Equity | 4.41% | 6.99% | 3.67% | 4.62% | 4.19% | 5.15% | 4.72% | 3.88% | -75 bps | |
| Net Interest Margin | 3.19% | 3.15% | 3.13% | 3.17% | 3.12% | 3.20% | 2.91% | 2.73% | -44 bps | |
| Efficiency Ratio | 67.69% | 76.09% | 76.69% | 75.49% | 72.54% | 74.91% | 71.45% | 76.22% | +73 bps | |
| Non-Interest Burden | 1.94% | 2.22% | 2.25% | 2.24% | 2.10% | 2.25% | 1.91% | 1.94% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.58% | -6.02% | -8.80% | -3.94% | -2.40% | 1.36% | 3.44% | 0.97% | +490 bps | |
| Loan Growth (YoY) | 0.87% | -9.37% | -4.51% | -0.79% | 1.20% | 3.45% | -2.85% | -4.86% | -407 bps | |
| Deposit Growth (YoY) | -3.98% | -6.13% | -7.23% | -7.24% | -5.31% | -0.27% | 2.62% | 3.48% | +1,073 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.32% | -0.46% | 0.09% | 0.08% | 0.02% | 0.02% | -0.06% | 0.01% | -7 bps | |
| Allowance / Loans | 0.89% | 0.81% | 0.76% | 0.70% | 0.69% | 0.63% | 0.62% | 0.57% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.65% | 23.85% | 21.12% | 21.14% | 20.16% | 21.66% | 23.14% | 24.10% | +297 bps | |
| Equity / Assets | 15.02% | 15.53% | 14.52% | 14.35% | 14.44% | 14.39% | 14.86% | 15.05% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.29% | 105.90% | 111.81% | 113.04% | 113.60% | 109.85% | 105.84% | 103.93% | -911 bps | |
| Liquid Assets / Assets | 0.08% | 0.07% | 0.07% | 0.06% | 0.06% | 0.06% | 0.29% | 0.35% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |