Los Angeles, CA · Cert 58321
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Cert 58321
FDIC · 3 branches
Q3 2014
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.2% share · #44 of 135 inst. · $0.6B of $404.0B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.58% | 0.69% | 0.71% | 0.69% | 0.78% | 0.64% | 0.84% | +13 bps | |
| Return on Equity | 6.31% | 6.18% | 7.32% | 7.61% | 7.43% | 8.58% | 7.04% | 9.13% | +152 bps | |
| Net Interest Margin | 2.75% | 3.00% | 3.04% | 3.00% | 2.95% | 3.24% | 3.23% | 3.18% | +18 bps | |
| Efficiency Ratio | 73.02% | 66.64% | 65.99% | 66.24% | 66.39% | 67.13% | 71.80% | 66.62% | +38 bps | |
| Non-Interest Burden | 1.88% | 1.85% | 1.85% | 1.83% | 1.80% | 2.02% | 2.18% | 1.96% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.53% | 21.21% | 15.67% | 10.50% | 7.63% | 10.56% | 10.31% | 9.49% | -101 bps | |
| Loan Growth (YoY) | 39.71% | 36.09% | 30.48% | 21.69% | 23.61% | 20.79% | 23.72% | 22.83% | +114 bps | |
| Deposit Growth (YoY) | 23.17% | 15.75% | 8.99% | 6.36% | 5.02% | 8.34% | 15.43% | 9.72% | +336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.33% | 0.15% | 0.09% | 0.06% | 0.00% | -0.01% | 0.31% | +22 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.30% | 1.25% | 1.29% | 1.27% | 1.16% | 0.79% | -46 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.18% | 13.01% | 12.86% | 12.52% | 12.04% | 12.17% | 11.55% | 11.38% | -114 bps | |
| Equity / Assets | 9.26% | 9.46% | 9.39% | 9.35% | 9.12% | 9.16% | 9.15% | 9.33% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.78% | 70.67% | 74.08% | 73.71% | 78.60% | 78.79% | 79.40% | 82.52% | +881 bps | |
| Liquid Assets / Assets | 11.60% | 10.37% | 10.68% | 10.29% | 8.94% | 11.76% | 9.16% | 10.32% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |