Los Angeles, CA · Cert 57657
FDIC · 1 branch
Q2 2016
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2016 SOD (annual) · 0.1% share · #51 of 125 inst. · $0.6B of $494.7B
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 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.39% | 0.21% | 0.33% | 0.50% | 0.48% | 0.15% | 0.14% | -19 bps | |
| Return on Equity | 4.71% | 4.02% | 2.19% | 3.57% | 5.77% | 5.61% | 1.74% | 1.64% | -193 bps | |
| Net Interest Margin | 3.25% | 3.25% | 3.38% | 3.58% | 3.43% | 3.46% | 3.82% | 3.67% | +8 bps | |
| Efficiency Ratio | 80.80% | 81.35% | 87.59% | 74.35% | 70.63% | 71.09% | 90.10% | 90.78% | +1,642 bps | |
| Non-Interest Burden | 2.62% | 2.63% | 2.94% | 2.65% | 2.38% | 2.44% | 3.43% | 3.32% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.70% | 8.74% | 11.15% | 19.28% | 23.30% | 25.07% | 19.92% | 15.41% | -387 bps | |
| Loan Growth (YoY) | 17.39% | 15.46% | 27.60% | 25.77% | 31.14% | 35.13% | 26.95% | 23.79% | -197 bps | |
| Deposit Growth (YoY) | 11.36% | 11.50% | 14.18% | 23.88% | 28.19% | 18.06% | 21.78% | 9.32% | -1,457 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.20% | -0.02% | -0.01% | 0.01% | -0.01% | -0.02% | 0.00% | 0.06% | +5 bps | |
| Allowance / Loans | 1.81% | 1.72% | 1.62% | 1.60% | 1.57% | 1.50% | 1.50% | 1.44% | -16 bps | |
| 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 | 9.77% | 9.24% | 8.68% | 8.92% | 9.14% | 8.56% | -68 bps | |
| Total Risk-Based Capital | 13.25% | 13.13% | 12.54% | 11.78% | 11.39% | 11.27% | 11.13% | 10.68% | -110 bps | |
| Equity / Assets | 9.56% | 9.87% | 9.51% | 8.94% | 8.42% | 8.80% | 8.85% | 8.69% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.69% | 87.33% | 89.16% | 88.82% | 85.62% | 99.96% | 92.94% | 100.58% | +1,176 bps | |
| Liquid Assets / Assets | 14.12% | 8.71% | 8.43% | 8.26% | 11.67% | 6.24% | 5.58% | 4.28% | -398 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |