Los Angeles, CA · Cert 35474
FDIC · 6 branches
Q4 2015
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 0.1% share · #58 of 131 inst. · $0.4B of $439.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.27% | 3.07% | 0.98% | 1.05% | 0.67% | 0.76% | 0.76% | -22 bps | |
| Return on Equity | 6.98% | 7.64% | 18.76% | 5.96% | 7.03% | 4.96% | 5.62% | 5.66% | -29 bps | |
| Net Interest Margin | 3.35% | 3.56% | 3.27% | 3.11% | 2.96% | 3.14% | 3.21% | 3.39% | +28 bps | |
| Efficiency Ratio | 66.93% | 65.41% | 70.28% | 72.02% | 62.82% | 63.63% | 60.86% | 63.09% | -894 bps | |
| Non-Interest Burden | 2.20% | 2.28% | 2.26% | 2.20% | 1.83% | 1.97% | 1.90% | 2.10% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 4.65% | 11.59% | 9.31% | 9.15% | 7.70% | 6.55% | 6.39% | -292 bps | |
| Loan Growth (YoY) | 4.41% | 6.76% | -1.30% | -3.77% | -10.65% | 2.58% | 25.51% | 26.00% | +2,978 bps | |
| Deposit Growth (YoY) | -1.76% | 6.02% | 12.97% | 10.65% | 15.32% | 11.26% | 10.26% | 10.18% | -47 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 | -0.16% | -0.13% | 0.08% | -0.11% | -0.41% | -0.30% | -0.30% | -1.52% | -142 bps | |
| Allowance / Loans | 2.66% | 2.66% | 2.15% | 2.17% | 2.14% | 1.92% | 1.76% | 2.14% | -4 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 | 12.97% | 13.90% | 13.46% | 13.16% | n/a | |
| Total Risk-Based Capital | 21.88% | 21.93% | 23.33% | 24.04% | 19.63% | 18.53% | 16.52% | 17.05% | -699 bps | |
| Equity / Assets | 16.64% | 16.67% | 16.04% | 16.76% | 13.18% | 13.91% | 13.10% | 13.68% | -309 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.47% | 99.52% | 84.08% | 87.29% | 78.62% | 91.76% | 95.71% | 99.83% | +1,254 bps | |
| Liquid Assets / Assets | 3.76% | 3.60% | 6.69% | 9.40% | 10.92% | 10.62% | 5.26% | 2.90% | -650 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |