Santa Clarita, CA · Cert 57816
FDIC · 1 branch
Q3 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.0% share · #74 of 116 inst. · $0.3B of $767.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.90% | 0.94% | 0.90% | 0.92% | 1.07% | 0.71% | -1.02% | -192 bps | |
| Return on Equity | 7.20% | 7.33% | 8.38% | 8.76% | 8.74% | 10.29% | 7.00% | -9.82% | -1,858 bps | |
| Net Interest Margin | 2.98% | 2.88% | 2.70% | 2.55% | 2.79% | 2.67% | 2.63% | 2.80% | +25 bps | |
| Efficiency Ratio | 58.95% | 54.57% | 54.70% | 52.23% | 54.23% | 49.62% | 64.84% | 150.10% | +9,787 bps | |
| Non-Interest Burden | 1.66% | 1.46% | 1.41% | 1.25% | 1.40% | 1.22% | 1.66% | 4.32% | +306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.98% | -4.56% | 20.05% | 23.80% | 22.54% | 37.52% | 10.80% | 8.16% | -1,564 bps | |
| Loan Growth (YoY) | 1.48% | -1.97% | 21.06% | 24.93% | 21.94% | 26.56% | -0.83% | -5.71% | -3,064 bps | |
| Deposit Growth (YoY) | 0.89% | -0.45% | 21.96% | 20.19% | 21.93% | 49.89% | 20.56% | 15.86% | -433 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.34% | 0.29% | 0.27% | 0.27% | 0.25% | 0.26% | 0.26% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.04% | 0.87% | 0.86% | 0.91% | 0.85% | 0.91% | 0.97% | +11 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.0x | 3.0x | 3.1x | 3.4x | 3.4x | 3.5x | 3.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 12.35% | 11.20% | 10.64% | 10.78% | 10.50% | 10.02% | 11.18% | +54 bps | |
| Total Risk-Based Capital | 15.56% | 15.87% | 16.49% | 16.95% | 15.60% | 16.14% | 15.98% | 15.79% | -116 bps | |
| Equity / Assets | 12.13% | 12.35% | 10.38% | 10.17% | 10.93% | 9.96% | 10.30% | 10.44% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.38% | 107.79% | 103.05% | 97.72% | 101.39% | 91.01% | 84.77% | 79.53% | -1,819 bps | |
| Liquid Assets / Assets | 11.66% | 12.47% | 15.75% | 18.18% | 12.33% | 17.97% | 21.74% | 25.82% | +764 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |