Los Angeles, CA · Cert 57638
FDIC
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 57638
FDIC
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.55% | 1.51% | 1.81% | 4.46% | 4.67% | 4.02% | 5.19% | 4.12% | -34 bps | |
| Return on Equity | 6.97% | 1.59% | 1.92% | 4.67% | 4.91% | 4.23% | 5.44% | 4.32% | -35 bps | |
| Net Interest Margin | 0.17% | 0.17% | 0.18% | 0.18% | 0.18% | 0.18% | 0.18% | 0.19% | +1 bps | |
| Efficiency Ratio | 67.07% | 90.14% | 88.26% | 74.16% | 73.28% | 76.52% | 69.55% | 75.09% | +93 bps | |
| Non-Interest Burden | -10.41% | -2.74% | -3.22% | -7.31% | -7.78% | -6.44% | -8.37% | -6.54% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 5.22% | 6.50% | 2.42% | 5.13% | 5.04% | 4.27% | 7.72% | +531 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | 96.52% | 98.01% | 97.22% | n/a | |
| Total Risk-Based Capital | 386% | 329% | 369% | 422% | 411% | 426% | 424% | 426% | +357 bps | |
| Equity / Assets | 93.87% | 95.35% | 94.03% | 98.83% | 94.23% | 96.05% | 96.05% | 95.81% | -302 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 1.88% | 1.89% | 89.86% | 92.34% | 93.14% | 93.60% | 93.50% | 93.72% | +138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |