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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.47% | 0.45% | -0.19% | 0.47% | 0.68% | 0.17% | 0.44% | +63 bps | |
| Return on Equity | 2.65% | 2.66% | 2.60% | -1.13% | 2.94% | 4.74% | 1.18% | 2.98% | +410 bps | |
| Net Interest Margin | 4.25% | 4.02% | 3.84% | 3.88% | 4.40% | 3.40% | 3.42% | 3.61% | -27 bps | |
| Efficiency Ratio | 83.06% | 85.21% | 61.61% | 108.41% | 81.24% | 70.93% | 91.44% | 81.41% | -2,700 bps | |
| Non-Interest Burden | 3.44% | 3.22% | 2.26% | 4.18% | 3.51% | 2.18% | 3.09% | 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 | -0.01% | 1.54% | 0.87% | -0.09% | 0.00% | -0.12% | -0.08% | -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 |