Manhattan Beach, CA · Cert 57678
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.64% | 0.35% | -0.47% | 2.58% | 0.89% | 1.74% | 0.09% | +56 bps | |
| Return on Equity | 6.30% | 5.56% | 3.14% | -3.73% | 17.40% | 6.33% | 13.61% | 0.80% | +453 bps | |
| Net Interest Margin | 4.41% | 4.39% | 4.21% | -3.73% | 4.66% | 5.05% | 4.46% | 3.69% | +742 bps | |
| Efficiency Ratio | 81.85% | 82.34% | 76.91% | 74.74% | 45.61% | 51.16% | 41.43% | 75.97% | +122 bps | |
| Non-Interest Burden | 3.47% | 3.47% | 3.02% | -2.93% | 2.01% | 2.76% | 1.50% | 3.13% | +606 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.90% | 0.34% | 2.54% | 1.60% | 0.54% | 36.08% | 41.04% | 241% | +23,958 bps | |
| Loan Growth (YoY) | 1.89% | 2.24% | -3.04% | -14.70% | -4.76% | 13.89% | 30.10% | 215% | +23,016 bps | |
| Deposit Growth (YoY) | -4.95% | 0.18% | 3.02% | -2.76% | -3.69% | 24.44% | 32.45% | 260% | +26,262 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 | 0.27% | 0.08% | 1.51% | -1.69% | 0.03% | 0.10% | 0.43% | 0.07% | +176 bps | |
| Allowance / Loans | 2.28% | 2.34% | 2.42% | 0.14% | 0.26% | 0.55% | 0.72% | 0.49% | +35 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.79% | 15.18% | 15.56% | 14.36% | 15.09% | 16.06% | 16.79% | 11.55% | -282 bps | |
| Equity / Assets | 11.50% | 11.40% | 10.68% | 14.27% | 15.42% | 13.06% | 12.48% | 11.30% | -297 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.83% | 101.30% | 88.98% | 87.56% | 102.68% | 92.71% | 87.40% | 76.75% | -1,081 bps | |
| Liquid Assets / Assets | 11.56% | 8.83% | 19.28% | 17.30% | 9.39% | 20.23% | 22.95% | 12.81% | -449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |