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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.35% | 1.32% | 1.34% | 1.35% | 1.35% | 1.27% | 1.15% | -19 bps | |
| Return on Equity | 10.95% | 11.69% | 11.65% | 11.65% | 11.70% | 11.47% | 11.20% | 10.30% | -135 bps | |
| Net Interest Margin | 5.46% | 5.73% | 5.65% | 5.75% | 5.65% | 5.45% | 5.17% | 4.72% | -104 bps | |
| Efficiency Ratio | 67.73% | 66.88% | 66.90% | 67.31% | 67.72% | 66.36% | 66.38% | 68.53% | +122 bps | |
| Non-Interest Burden | 3.34% | 3.48% | 3.45% | 3.55% | 3.51% | 3.23% | 2.92% | 2.71% | -84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.82% | 9.49% | 15.26% | 5.86% | 8.73% | 5.57% | 11.96% | 22.62% | +1,676 bps | |
| Loan Growth (YoY) | 13.18% | 13.04% | 13.58% | 12.15% | 7.67% | 6.18% | 19.20% | 26.12% | +1,397 bps | |
| Deposit Growth (YoY) | 12.00% | 10.66% | 29.91% | 11.07% | 18.43% | 17.26% | 3.05% | 17.98% | +690 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.63% | 0.56% | 0.57% | 0.90% | 0.84% | 0.46% | 0.41% | -17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.06% | 0.04% | 0.03% | 0.00% | -0.05% | -0.01% | -6 bps | |
| Allowance / Loans | 0.56% | 0.56% | 0.60% | 0.64% | 0.64% | 0.68% | 0.65% | 0.63% | -1 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.1x | 1.1x | 0.7x | 0.8x | 1.4x | 1.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.59% | 8.72% | 8.41% | 8.72% | 8.86% | 8.83% | 8.96% | 8.35% | -36 bps | |
| Total Risk-Based Capital | 13.73% | 13.66% | 14.04% | 14.85% | 14.91% | 14.87% | 15.03% | 14.66% | -20 bps | |
| Equity / Assets | 11.50% | 11.51% | 10.98% | 11.95% | 11.70% | 11.85% | 10.68% | 10.52% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.47% | 110.10% | 90.51% | 108.06% | 98.63% | 99.70% | 104.69% | 115.52% | +746 bps | |
| Liquid Assets / Assets | 6.42% | 3.46% | 4.73% | 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 | n/a | n/a | n/a |