Encino, CA · Cert 57904
FDIC · 9 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Encino, CA · Cert 57904
FDIC · 9 branches
Q3 2017
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.4% share · #26 of 125 inst. · $2.2B of $526.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.96% | 0.98% | 1.00% | 1.00% | 1.06% | 1.20% | 1.11% | +11 bps | |
| Return on Equity | 7.36% | 8.18% | 8.32% | 8.57% | 8.61% | 9.42% | 10.46% | 9.64% | +106 bps | |
| Net Interest Margin | 3.41% | 3.58% | 3.58% | 3.49% | 3.39% | 3.48% | 3.57% | 3.61% | +13 bps | |
| Efficiency Ratio | 57.90% | 55.78% | 54.51% | 55.72% | 55.77% | 55.10% | 52.33% | 51.83% | -389 bps | |
| Non-Interest Burden | 1.83% | 1.82% | 1.77% | 1.78% | 1.74% | 1.77% | 1.62% | 1.65% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.36% | 13.84% | 12.38% | 11.09% | 13.71% | 14.77% | 9.44% | 7.17% | -392 bps | |
| Loan Growth (YoY) | 12.87% | 12.26% | 13.95% | 11.54% | 11.89% | 9.51% | 10.28% | 5.71% | -584 bps | |
| Deposit Growth (YoY) | 17.48% | 14.11% | 12.22% | 10.96% | 14.11% | 15.96% | 10.02% | 6.85% | -410 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.03% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.11% | -0.05% | -0.11% | -0.02% | -0.02% | -0.05% | -0.02% | 0.23% | +25 bps | |
| Allowance / Loans | 0.86% | 0.89% | 0.95% | 0.93% | 0.95% | 0.96% | 0.94% | 0.91% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 25.8x | 28.0x | 4.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.46% | 9.59% | 9.46% | 9.35% | 9.30% | 9.86% | 9.99% | +53 bps | |
| Total Risk-Based Capital | 11.17% | 11.21% | 11.18% | 11.25% | 11.04% | 11.30% | 11.41% | 11.86% | +61 bps | |
| Equity / Assets | 11.76% | 11.62% | 11.79% | 11.56% | 11.33% | 11.08% | 11.87% | 11.89% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.89% | 78.39% | 81.13% | 78.55% | 78.33% | 74.03% | 81.33% | 77.71% | -84 bps | |
| Liquid Assets / Assets | 10.25% | 12.79% | 10.43% | 11.60% | 8.71% | 12.83% | 6.55% | 11.63% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |