Los Angeles, CA · Cert 57638
FDIC
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.71% | 5.39% | 4.02% | 6.38% | 2.02% | -769 bps | |
| Return on Equity | 10.08% | 5.58% | 4.23% | 6.64% | 2.11% | -797 bps | |
| Net Interest Margin | 0.18% | 0.19% | 0.18% | 0.18% | 0.22% | +4 bps | |
| Efficiency Ratio | 47.43% | 70.84% | 76.52% | 62.53% | 87.02% | +3,959 bps | |
| Non-Interest Burden | -15.59% | -9.01% | -6.44% | -10.30% | -3.12% | +1,247 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 96.52% | 98.01% | 97.22% | n/a | |
| Total Risk-Based Capital | 422% | 411% | 426% | 424% | 426% | +357 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |