Los Angeles, CA · Cert 58349
FDIC · 1 branch
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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 58349
FDIC · 1 branch
Q1 2016
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 0.0% share · #86 of 131 inst. · $0.2B of $439.1B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.38% | 0.39% | -0.19% | 0.15% | 0.34% | 0.30% | 0.44% | +63 bps | |
| Return on Equity | 1.88% | 2.14% | 2.26% | -1.13% | 0.91% | 2.20% | 1.94% | 2.98% | +410 bps | |
| Net Interest Margin | 4.11% | 4.01% | 3.85% | 3.88% | 4.11% | 3.53% | 3.46% | 3.61% | -27 bps | |
| Efficiency Ratio | 87.44% | 86.60% | 80.84% | 108.41% | 93.76% | 85.57% | 86.97% | 81.41% | -2,700 bps | |
| Non-Interest Burden | 3.54% | 3.37% | 2.99% | 4.18% | 3.81% | 2.95% | 2.95% | 2.89% | -130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.16% | 9.35% | 8.04% | -2.30% | 23.68% | 30.82% | 11.14% | 15.48% | +1,777 bps | |
| Loan Growth (YoY) | 11.81% | 12.03% | 4.97% | 5.40% | 20.05% | 10.43% | 17.22% | 10.67% | +527 bps | |
| Deposit Growth (YoY) | -7.06% | 7.46% | 9.33% | -3.23% | 28.76% | 37.37% | 12.82% | 21.00% | +2,423 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 | -0.02% | 0.50% | 0.61% | -0.09% | -0.04% | -0.07% | -0.07% | -0.06% | +3 bps | |
| Allowance / Loans | 2.19% | 1.68% | 1.80% | 1.70% | 1.57% | 1.64% | 1.61% | 1.60% | -10 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 | 16.70% | 16.64% | 14.94% | 14.77% | 13.07% | -363 bps | |
| Total Risk-Based Capital | 21.41% | 20.07% | 20.50% | 20.30% | 19.20% | 19.31% | 19.80% | 17.28% | -302 bps | |
| Equity / Assets | 18.12% | 17.29% | 16.99% | 17.48% | 14.93% | 13.63% | 15.71% | 13.74% | -374 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.00% | 91.78% | 86.37% | 96.23% | 85.78% | 73.78% | 89.73% | 88.02% | -821 bps | |
| Liquid Assets / Assets | 10.13% | 6.51% | 8.18% | 7.19% | 5.19% | 4.30% | 4.95% | 2.91% | -428 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |