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Plaza Bank

Irvine, CA · Cert 58100

FDIC · 7 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Plaza Bank

Irvine, CA · Cert 58100

FDIC · 7 branches

Q3 2017

$1.3BAssets
$1.1BLoans
$1.1BDeposits
$146.1MEquity
Loan mix
72%RE $673.4M20%C&I $192.4M8%Consumer $74.1MQ3 2016Q3 2017
Deposit mix
72%Interest-bearing $778.6M28%Noninterest $308.8MQ3 2016Q3 2017

NIM

4.96%Q3 ’155.00%Q3 ’165.19%Q3 ’17+0%+2%

Non-interest income vs. expense

4.65%Q3 ’153.27%Q3 ’162.82%Q3 ’17-27%-12%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.2% share · #40 of 125 inst. · $0.9B of $526.9B

0.4% Orange
0.2% Los Angeles
0.3% Clark
0.0% San Diego

Executive Summary

  • Earnings: ROA of 1.38%, up 37 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.40% of loans (+40 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.76%, down 9 bps from a year ago.
  • Funding: loans stand at 97.24% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.38%+37 bps YoY

Net Interest Margin (YTD, annualized)

4.74%+11 bps YoY

Efficiency Ratio (YTD, annualized)

53.44%-770 bps YoY

Tier 1 Leverage Ratio

10.76%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.01%1.07%1.33%1.29%1.38%+37 bps
Return on Equity8.84%9.44%11.71%11.39%12.19%+334 bps
Net Interest Margin4.63%4.46%4.79%4.83%4.74%+11 bps
Efficiency Ratio61.14%60.46%56.45%55.49%53.44%-770 bps
Non-Interest Burden2.62%2.48%2.50%2.47%2.32%-31 bps
Growth
Asset Growth (YoY)15.65%16.90%13.54%14.31%8.05%-761 bps
Loan Growth (YoY)19.91%15.87%10.90%10.20%5.69%-1,422 bps
Deposit Growth (YoY)16.14%13.92%11.59%19.70%6.14%-1,000 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.57%0.45%0.40%+40 bps
Net Charge-Offs / Loans0.01%0.02%0.04%0.02%0.02%+1 bps
Allowance / Loans1.29%1.26%1.23%1.22%1.25%-4 bps
Allowance Coverage of NPLsn/an/a2.2x2.7x3.1xn/a
Capital
Tier 1 Leverage Ratio10.86%10.44%10.92%10.96%10.76%-9 bps
Total Risk-Based Capital12.82%12.63%13.06%12.71%13.20%+37 bps
Equity / Assets10.90%11.14%11.62%11.14%11.34%+44 bps
Liquidity & Funding
Loans / Deposits97.65%101.18%102.58%97.23%97.24%-41 bps
Liquid Assets / Assets10.76%10.09%10.75%12.55%13.79%+303 bps
CRE / Total Capitaln/an/an/an/an/an/an/a