Newport Beach, CA · Cert 57688
FDIC · 6 branches
Q4 2014
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #77 of 135 inst. · $0.2B of $404.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.46% | 0.62% | 0.79% | 0.85% | 0.95% | 0.77% | 0.47% | -32 bps | |
| Return on Equity | 4.91% | 3.23% | 4.64% | 6.16% | 7.22% | 8.47% | 6.77% | 4.10% | -207 bps | |
| Net Interest Margin | 4.04% | 3.99% | 4.02% | 4.14% | 3.78% | 4.60% | 4.48% | 4.33% | +19 bps | |
| Efficiency Ratio | 79.55% | 84.71% | 77.34% | 75.43% | 94.26% | 70.47% | 71.17% | 75.87% | +44 bps | |
| Non-Interest Burden | 3.18% | 3.36% | 3.07% | 2.96% | 3.45% | 3.13% | 3.15% | 3.19% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.25% | -6.23% | 5.46% | 4.11% | 49.47% | 46.92% | 36.71% | 35.85% | +3,174 bps | |
| Loan Growth (YoY) | -5.89% | -11.40% | 1.98% | 6.82% | 58.70% | 69.38% | 55.82% | 50.70% | +4,388 bps | |
| Deposit Growth (YoY) | -0.40% | -5.13% | 15.47% | 6.37% | 67.98% | 79.97% | 57.56% | 50.07% | +4,370 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 | -0.04% | -0.01% | -0.04% | -0.05% | -0.04% | 0.27% | 0.15% | 0.19% | +24 bps | |
| Allowance / Loans | 2.07% | 2.17% | 1.88% | 1.82% | 1.33% | 1.24% | 1.15% | 1.13% | -68 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 | 19.13% | 19.93% | 18.09% | 17.65% | 13.65% | 13.68% | 13.21% | 13.47% | -418 bps | |
| Equity / Assets | 14.37% | 14.26% | 12.75% | 12.99% | 10.89% | 11.56% | 11.34% | 11.63% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.52% | 99.52% | 96.28% | 99.08% | 93.08% | 93.66% | 95.22% | 99.50% | +42 bps | |
| Liquid Assets / Assets | 0.78% | 0.70% | 1.31% | 0.79% | 1.60% | 0.70% | 0.71% | 0.72% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |