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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.58% | 0.80% | 0.77% | 0.64% | 0.78% | 0.51% | 1.22% | +45 bps | |
| Return on Equity | 7.55% | 6.18% | 8.44% | 8.19% | 6.91% | 8.58% | 5.52% | 13.20% | +501 bps | |
| Net Interest Margin | 2.97% | 3.00% | 3.11% | 3.05% | 3.14% | 3.24% | 3.24% | 3.33% | +28 bps | |
| Efficiency Ratio | 71.47% | 66.64% | 65.37% | 66.73% | 66.78% | 67.13% | 76.41% | 56.90% | -983 bps | |
| Non-Interest Burden | 2.00% | 1.85% | 1.86% | 1.86% | 1.92% | 2.02% | 2.35% | 1.69% | -18 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 | 0.59% | 0.33% | -0.02% | -0.01% | 0.00% | 0.00% | -0.02% | 0.95% | +95 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 |