Los Angeles, CA · Cert 58261
FDIC · 6 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Los Angeles, CA · Cert 58261
FDIC · 6 branches
Q1 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.1% share · #69 of 125 inst. · $0.3B 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.49% | 1.35% | 1.06% | 1.01% | 0.96% | 0.88% | 1.34% | +29 bps | |
| Return on Equity | 18.50% | 15.81% | 14.49% | 11.85% | 11.43% | 10.90% | 10.22% | 16.33% | +448 bps | |
| Net Interest Margin | 3.75% | 3.55% | 3.61% | 3.96% | 3.90% | 3.83% | 3.69% | 3.83% | -13 bps | |
| Efficiency Ratio | 56.90% | 57.44% | 58.07% | 57.08% | 57.70% | 58.85% | 59.97% | 52.65% | -443 bps | |
| Non-Interest Burden | 1.62% | 1.66% | 1.77% | 2.05% | 2.06% | 2.07% | 2.06% | 1.85% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 82.60% | 82.49% | 87.83% | 20.73% | 21.53% | 21.11% | 21.16% | 20.86% | +13 bps | |
| Loan Growth (YoY) | 75.03% | 71.96% | 76.77% | 18.87% | 20.72% | 23.82% | 25.29% | 29.05% | +1,018 bps | |
| Deposit Growth (YoY) | 90.73% | 91.46% | 121.26% | 25.73% | 28.13% | 23.65% | 15.18% | 13.05% | -1,269 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.21% | 0.20% | 0.19% | 0.00% | 0.00% | -21 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 | 0.59% | 0.60% | 0.58% | 0.58% | 0.59% | 0.61% | 0.57% | 0.54% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.8x | 3.0x | 3.3x | 150.6x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 9.34% | 9.45% | 9.14% | 9.12% | 9.06% | 8.78% | 8.59% | -55 bps | |
| Total Risk-Based Capital | 12.66% | 12.80% | 12.37% | 12.55% | 12.34% | 12.04% | 11.26% | 11.25% | -130 bps | |
| Equity / Assets | 9.47% | 9.25% | 8.89% | 8.94% | 8.71% | 8.52% | 8.15% | 8.30% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.05% | 104.57% | 100.75% | 102.76% | 101.79% | 104.71% | 109.59% | 117.32% | +1,455 bps | |
| Liquid Assets / Assets | 11.46% | 11.66% | 11.02% | 11.74% | 12.59% | 11.89% | 9.42% | 7.33% | -441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |