Buena Park, CA · Cert 57120
FDIC · 3 branches
Q1 2019
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.1% share · #70 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.13% | 1.14% | 1.20% | 1.00% | -10 bps | |
| Return on Equity | 8.83% | 9.02% | 9.09% | 9.60% | 7.67% | -116 bps | |
| Net Interest Margin | 4.15% | 4.06% | 4.10% | 4.03% | 4.32% | +16 bps | |
| Efficiency Ratio | 69.88% | 68.57% | 68.54% | 66.72% | 71.08% | +120 bps | |
| Non-Interest Burden | 2.54% | 2.45% | 2.49% | 2.38% | 2.87% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.66% | 2.55% | 10.20% | 8.32% | 4.24% | -742 bps | |
| Loan Growth (YoY) | 17.03% | 5.21% | 8.82% | 9.91% | 13.40% | -363 bps | |
| Deposit Growth (YoY) | 9.14% | 1.35% | 10.08% | 7.79% | 5.50% | -364 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.03% | 0.00% | 0.00% | -28 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.24% | 0.12% | 0.07% | -0.03% | +2 bps | |
| Allowance / Loans | 1.47% | 1.32% | 1.27% | 1.24% | 1.23% | -25 bps | |
| Allowance Coverage of NPLs | 5.2x | 6.9x | 40.3x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.76% | 12.50% | 12.64% | 12.55% | 13.14% | +38 bps | |
| Total Risk-Based Capital | 17.23% | 17.16% | 17.01% | 17.50% | 17.55% | +33 bps | |
| Equity / Assets | 12.70% | 12.76% | 12.37% | 12.64% | 13.53% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.59% | 88.34% | 88.15% | 91.60% | 98.45% | +686 bps | |
| Liquid Assets / Assets | 17.96% | 19.19% | 19.47% | 16.59% | 8.50% | -946 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |