Los Angeles, CA · Cert 57065
FDIC · 6 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Cert 57065
FDIC · 6 branches
Q2 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.1% share · #66 of 121 inst. · $0.3B of $536.2B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.10% | 0.93% | 1.12% | 1.22% | +12 bps | |
| Return on Equity | 8.96% | 8.92% | 7.45% | 8.81% | 9.45% | +49 bps | |
| Net Interest Margin | 4.33% | 4.45% | 4.34% | 4.92% | 4.75% | +42 bps | |
| Efficiency Ratio | 60.46% | 59.88% | 59.83% | 60.03% | 61.55% | +110 bps | |
| Non-Interest Burden | 2.38% | 2.42% | 2.35% | 2.70% | 2.66% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.07% | -2.52% | -0.68% | 5.65% | 4.91% | +998 bps | |
| Loan Growth (YoY) | -10.70% | -3.95% | 2.26% | -0.99% | -2.02% | +868 bps | |
| Deposit Growth (YoY) | 2.03% | -2.45% | 1.34% | 5.25% | 4.38% | +234 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.20% | 0.16% | 0.16% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.87% | 1.07% | 1.10% | +25 bps | |
| Allowance Coverage of NPLs | 36.0x | 38.7x | 4.3x | 6.7x | 6.8x | -29.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.68% | 11.23% | 11.10% | 11.22% | 11.59% | +91 bps | |
| Total Risk-Based Capital | 13.84% | 14.06% | 13.86% | 14.16% | 15.50% | +166 bps | |
| Equity / Assets | 12.71% | 12.75% | 12.94% | 12.55% | 13.19% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.09% | 90.86% | 93.19% | 85.35% | 83.64% | -545 bps | |
| Liquid Assets / Assets | 16.47% | 14.78% | 13.16% | 20.40% | 22.15% | +567 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |