Chula Vista, CA · Cert 57428
FDIC · 6 branches
Q3 2020
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2020 SOD (annual) · 0.8% share · #15 of 48 inst. · $0.9B of $110.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.40% | 1.35% | 1.23% | 0.91% | -43 bps | |
| Return on Equity | 11.66% | 11.83% | 11.47% | 10.96% | 8.54% | -312 bps | |
| Net Interest Margin | 5.94% | 5.62% | 5.45% | 5.00% | 4.69% | -124 bps | |
| Efficiency Ratio | 68.12% | 68.93% | 66.36% | 66.40% | 72.70% | +459 bps | |
| Non-Interest Burden | 3.75% | 3.55% | 3.23% | 2.82% | 2.88% | -88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.86% | 8.73% | 5.57% | 11.96% | 22.62% | +1,676 bps | |
| Loan Growth (YoY) | 12.15% | 7.67% | 6.18% | 19.20% | 26.12% | +1,397 bps | |
| Deposit Growth (YoY) | 11.07% | 18.43% | 17.26% | 3.05% | 17.98% | +690 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.90% | 0.84% | 0.46% | 0.41% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.09% | 0.04% | +4 bps | |
| Allowance / Loans | 0.64% | 0.64% | 0.68% | 0.65% | 0.63% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.7x | 0.8x | 1.4x | 1.5x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.72% | 8.86% | 8.83% | 8.96% | 8.35% | -36 bps | |
| Total Risk-Based Capital | 14.85% | 14.91% | 14.87% | 15.03% | 14.66% | -20 bps | |
| Equity / Assets | 11.95% | 11.70% | 11.85% | 10.68% | 10.52% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.06% | 98.63% | 99.70% | 104.69% | 115.52% | +746 bps | |
| Liquid Assets / Assets | 2.47% | 2.98% | 3.40% | 6.84% | 4.71% | +224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |