PackageTrendsPeer
Letter portraitLegal landscape

1st Enterprise Bank

Los Angeles, CA · Cert 58321

FDIC · 3 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

1st Enterprise Bank

Los Angeles, CA · Cert 58321

FDIC · 3 branches

Q3 2014

$800.7MAssets
$569.9MLoans
$690.7MDeposits
$74.7MEquity
Loan mix
50%RE $205.9M49%C&I $201.9M1%Consumer $4.7MQ3 2013Q3 2014
Deposit mix
51%Interest-bearing $352.3M49%Noninterest $338.4MQ3 2013Q3 2014

NIM

2.90%Q3 ’123.11%Q3 ’133.28%Q3 ’14+8%+6%

Non-interest income vs. expense

2.41%Q3 ’122.31%Q3 ’132.44%Q3 ’14-5%+7%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.2% share · #44 of 135 inst. · $0.6B of $404.0B

0.2% Los Angeles
0.3% Orange
0.5% San Bernardino

Executive Summary

  • Earnings: ROA of 0.84%, up 13 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 82.52% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.84%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+18 bps YoY

Efficiency Ratio (YTD, annualized)

66.62%+38 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.71%0.69%0.78%0.64%0.84%+13 bps
Return on Equity7.61%7.43%8.58%7.04%9.13%+152 bps
Net Interest Margin3.00%2.95%3.24%3.23%3.18%+18 bps
Efficiency Ratio66.24%66.39%67.13%71.80%66.62%+38 bps
Non-Interest Burden1.83%1.80%2.02%2.18%1.96%+13 bps
Growth
Asset Growth (YoY)10.50%7.63%10.56%10.31%9.49%-101 bps
Loan Growth (YoY)21.69%23.61%20.79%23.72%22.83%+114 bps
Deposit Growth (YoY)6.36%5.02%8.34%15.43%9.72%+336 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.06%0.00%-0.01%0.31%+22 bps
Allowance / Loans1.25%1.29%1.27%1.16%0.79%-46 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.52%12.04%12.17%11.55%11.38%-114 bps
Equity / Assets9.35%9.12%9.16%9.15%9.33%-2 bps
Liquidity & Funding
Loans / Deposits73.71%78.60%78.79%79.40%82.52%+881 bps
Liquid Assets / Assets10.29%8.94%11.76%9.16%10.32%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a