Cerritos, CA · Cert 57966
FDIC · 9 branches
Q2 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.2% share · #34 of 116 inst. · $1.6B of $767.5B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.72% | 1.11% | 1.15% | 1.28% | 1.47% | 1.69% | 1.69% | +54 bps | |
| Return on Equity | 11.42% | 10.83% | 7.07% | 8.00% | 9.29% | 10.97% | 14.23% | 14.17% | +617 bps | |
| Net Interest Margin | 5.16% | 4.91% | 4.68% | 4.20% | 4.26% | 4.29% | 4.44% | 4.47% | +27 bps | |
| Efficiency Ratio | 47.00% | 48.26% | 53.39% | 51.03% | 49.28% | 47.13% | 44.05% | 42.31% | -873 bps | |
| Non-Interest Burden | 2.10% | 2.08% | 2.29% | 1.86% | 1.71% | 1.60% | 1.57% | 1.55% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.30% | 4.19% | 7.52% | 28.49% | 36.27% | 35.22% | 41.12% | 9.97% | -1,852 bps | |
| Loan Growth (YoY) | 6.15% | 8.08% | 12.38% | 37.75% | 44.63% | 36.78% | 40.62% | 5.30% | -3,244 bps | |
| Deposit Growth (YoY) | 1.95% | 4.91% | 11.18% | 27.81% | 16.48% | 24.39% | 40.12% | 16.23% | -1,158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.82% | 0.64% | 0.46% | 0.68% | 0.34% | 0.21% | 0.38% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.05% | 0.04% | 0.01% | -0.02% | -0.01% | -7 bps | |
| Allowance / Loans | 0.93% | 0.98% | 1.12% | 0.96% | 0.98% | 1.01% | 0.94% | 1.01% | +5 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.2x | 1.7x | 2.1x | 1.4x | 3.0x | 4.6x | 2.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.56% | 12.01% | 11.73% | 10.31% | 10.29% | 10.28% | 9.75% | 10.00% | -31 bps | |
| Total Risk-Based Capital | 14.37% | 14.03% | 11.73% | 10.31% | 10.29% | 10.28% | 9.75% | 10.00% | -31 bps | |
| Equity / Assets | 16.41% | 16.04% | 15.28% | 12.26% | 12.23% | 12.33% | 11.43% | 12.02% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.16% | 105.20% | 107.42% | 115.35% | 123.12% | 115.67% | 107.80% | 104.51% | -1,084 bps | |
| Liquid Assets / Assets | 10.37% | 8.25% | 9.14% | 8.93% | 7.07% | 9.61% | 11.23% | 12.85% | +392 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |