Irvine, CA · Cert 35498
FDIC · 29 branches
Q3 2023
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2023 SOD (annual) · 1.0% share · #19 of 108 inst. · $6.7B of $695.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 1.42% | 0.99% | 0.95% | 1.29% | -26 bps | |
| Return on Equity | 12.10% | 11.06% | 7.98% | 7.64% | 10.23% | -187 bps | |
| Net Interest Margin | 3.50% | 3.59% | 3.33% | 3.16% | 3.23% | -27 bps | |
| Efficiency Ratio | 53.24% | 53.03% | 58.35% | 58.86% | 52.31% | -93 bps | |
| Non-Interest Burden | 1.74% | 1.78% | 1.81% | 1.75% | 1.26% | -48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.15% | -2.08% | 4.74% | -1.48% | -1.30% | -1,444 bps | |
| Loan Growth (YoY) | 17.04% | -1.87% | -5.31% | -4.01% | -4.51% | -2,154 bps | |
| Deposit Growth (YoY) | 10.69% | -5.19% | -6.91% | -8.71% | -8.47% | -1,916 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.78% | 0.80% | 0.94% | 0.88% | +28 bps | |
| Net Charge-Offs / Loans | -0.59% | -0.35% | 0.22% | 0.26% | 0.40% | +99 bps | |
| Allowance / Loans | 1.27% | 1.21% | 1.20% | 1.13% | 1.07% | -20 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.6x | 1.5x | 1.2x | 1.2x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.12% | 12.25% | 12.14% | 11.56% | 12.46% | +34 bps | |
| Total Risk-Based Capital | 15.67% | 16.00% | 15.93% | 15.64% | 16.37% | +70 bps | |
| Equity / Assets | 12.77% | 12.97% | 11.83% | 12.40% | 13.15% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.87% | 99.62% | 101.02% | 103.43% | 104.19% | +432 bps | |
| Liquid Assets / Assets | 5.34% | 5.40% | 12.86% | 5.92% | 6.25% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |