PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western National Trust Company

Los Angeles, CA · Cert 57638

FDIC

Q3 2015

$18.5MAssets
n/aLoans
n/aDeposits
$17.7MEquity

Executive Summary

  • Earnings: ROA of 2.02%, down 769 bps year over year; NIM at 0.22%.
  • Capital: tier 1 leverage ratio of 97.22%.

Return on Assets (quarter, annualized)

2.02%-769 bps YoY

Net Interest Margin (quarter, annualized)

0.22%+4 bps YoY

Efficiency Ratio (quarter, annualized)

87.02%+3,959 bps YoY

Tier 1 Leverage Ratio

97.22%

NIM

0.19%Q3 ’130.18%Q3 ’140.22%Q3 ’15-5%+19%

Non-interest income vs. expense

23.31%Q3 ’1314.23%Q3 ’1422.36%Q3 ’15-119%+80%

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets5.75%1.51%2.12%9.71%5.39%4.02%6.38%2.02%-769 bps
Return on Equity6.12%1.59%2.24%10.08%5.58%4.23%6.64%2.11%-797 bps
Net Interest Margin0.17%0.17%0.19%0.18%0.19%0.18%0.18%0.22%+4 bps
Efficiency Ratio70.57%90.14%86.33%47.43%70.84%76.52%62.53%87.02%+3,959 bps
Non-Interest Burden-9.31%-2.74%-3.72%-15.59%-9.01%-6.44%-10.30%-3.12%+1,247 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a96.52%98.01%97.22%n/a
Total Risk-Based Capital386%329%369%422%411%426%424%426%+357 bps
Equity / Assets93.87%95.35%94.03%98.83%94.23%96.05%96.05%95.81%-302 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets1.88%1.89%89.86%92.34%93.14%93.60%93.50%93.72%+138 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a