Newport Beach, CA · Cert 57338
FDIC · 1 branch
Q4 2015
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 0.0% share · #91 of 131 inst. · $0.1B 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 | 0.03% | 0.28% | 4.39% | 9.49% | 0.16% | 2.50% | -0.18% | -0.15% | -963 bps | |
| Return on Equity | 0.13% | 1.44% | 22.23% | 44.33% | 0.71% | 10.56% | -0.76% | -0.60% | -4,493 bps | |
| Net Interest Margin | 3.03% | 2.93% | 3.25% | 3.03% | 3.05% | 3.20% | 2.94% | 3.07% | +4 bps | |
| Efficiency Ratio | 99.24% | 101.04% | 84.79% | 89.31% | 101.17% | 106.06% | 104.79% | 107.48% | +1,817 bps | |
| Non-Interest Burden | 3.01% | 2.96% | 2.71% | 2.68% | 3.04% | 3.34% | 3.05% | 3.25% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.99% | 5.24% | -5.41% | 10.49% | 5.08% | 0.87% | -0.27% | -7.76% | -1,826 bps | |
| Loan Growth (YoY) | 1.77% | -0.52% | 9.33% | 16.05% | 12.00% | 12.70% | 9.98% | 1.21% | -1,484 bps | |
| Deposit Growth (YoY) | 13.26% | 5.92% | -6.78% | -4.64% | -1.64% | -5.80% | -5.03% | 1.92% | +657 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% | -0.32% | -6.67% | -0.03% | -0.04% | -7.04% | -0.03% | -0.03% | 0 bps | |
| Allowance / Loans | 1.55% | 1.47% | 1.47% | 1.42% | 1.34% | 1.33% | 1.33% | 1.40% | -2 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 | 22.18% | 23.34% | 21.78% | 22.48% | n/a | |
| Total Risk-Based Capital | 33.70% | 34.24% | 34.01% | 33.67% | 32.70% | 35.73% | 35.67% | 38.34% | +467 bps | |
| Equity / Assets | 19.60% | 19.37% | 20.14% | 22.64% | 23.29% | 23.99% | 23.93% | 25.24% | +260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.73% | 85.06% | 86.54% | 102.79% | 96.49% | 101.76% | 100.23% | 102.07% | -72 bps | |
| Liquid Assets / Assets | 7.76% | 17.03% | 11.22% | 11.09% | 16.44% | 16.28% | 14.66% | 13.89% | +280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |