Irvine, CA · Cert 58100
FDIC · 7 branches
Q3 2017
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.2% share · #40 of 125 inst. · $0.9B 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 | 0.87% | 0.73% | 0.97% | 1.01% | 1.07% | 1.33% | 1.29% | 1.38% | +37 bps | |
| Return on Equity | 7.67% | 6.27% | 8.40% | 8.84% | 9.44% | 11.71% | 11.39% | 12.19% | +334 bps | |
| Net Interest Margin | 4.58% | 4.77% | 4.68% | 4.63% | 4.46% | 4.79% | 4.83% | 4.74% | +11 bps | |
| Efficiency Ratio | 75.28% | 63.91% | 61.44% | 61.14% | 60.46% | 56.45% | 55.49% | 53.44% | -770 bps | |
| Non-Interest Burden | 3.22% | 2.85% | 2.64% | 2.62% | 2.48% | 2.50% | 2.47% | 2.32% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 88.53% | 86.28% | 6.59% | 15.65% | 16.90% | 13.54% | 14.31% | 8.05% | -761 bps | |
| Loan Growth (YoY) | 83.88% | 88.48% | 12.61% | 19.91% | 15.87% | 10.90% | 10.20% | 5.69% | -1,422 bps | |
| Deposit Growth (YoY) | 91.35% | 88.25% | 4.14% | 16.14% | 13.92% | 11.59% | 19.70% | 6.14% | -1,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.45% | 0.40% | +40 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.00% | 0.01% | 0.02% | 0.04% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.30% | 1.31% | 1.29% | 1.29% | 1.26% | 1.23% | 1.22% | 1.25% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.2x | 2.7x | 3.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.85% | 10.97% | 10.86% | 10.44% | 10.92% | 10.96% | 10.76% | -9 bps | |
| Total Risk-Based Capital | 12.70% | 12.75% | 12.99% | 12.82% | 12.63% | 13.06% | 12.71% | 13.20% | +37 bps | |
| Equity / Assets | 11.61% | 11.62% | 11.44% | 10.90% | 11.14% | 11.62% | 11.14% | 11.34% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.48% | 103.22% | 105.62% | 97.65% | 101.18% | 102.58% | 97.23% | 97.24% | -41 bps | |
| Liquid Assets / Assets | 8.24% | 6.33% | 7.37% | 10.76% | 10.09% | 10.75% | 12.55% | 13.79% | +303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |