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 4.12%, down 34 bps year over year; NIM at 0.19%.
  • Capital: tier 1 leverage ratio of 97.22%.

Return on Assets (YTD, annualized)

4.12%-34 bps YoY

Net Interest Margin (YTD, annualized)

0.19%+1 bps YoY

Efficiency Ratio (YTD, annualized)

75.09%+93 bps YoY

Tier 1 Leverage Ratio

97.22%

NIM

0.18%Q3 ’130.18%Q3 ’140.19%Q3 ’15-1%+8%

Non-interest income vs. expense

21.47%Q3 ’1321.48%Q3 ’1420.29%Q3 ’15+33%+10%

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets6.55%1.51%1.81%4.46%4.67%4.02%5.19%4.12%-34 bps
Return on Equity6.97%1.59%1.92%4.67%4.91%4.23%5.44%4.32%-35 bps
Net Interest Margin0.17%0.17%0.18%0.18%0.18%0.18%0.18%0.19%+1 bps
Efficiency Ratio67.07%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/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