Santa Ana, CA · Cert 58390
FDIC · 17 branches
Q2 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.3% share · #33 of 121 inst. · $1.4B of $536.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.10% | 0.05% | 1.13% | 1.07% | +1 bps | |
| Return on Equity | 9.02% | 9.00% | 0.47% | 10.43% | 10.05% | +102 bps | |
| Net Interest Margin | 3.67% | 3.76% | 3.75% | 3.71% | 3.71% | +4 bps | |
| Efficiency Ratio | 51.42% | 50.57% | 64.91% | 56.01% | 85.34% | +3,392 bps | |
| Non-Interest Burden | 1.77% | 1.80% | 2.34% | 2.02% | 3.12% | +134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.86% | -2.85% | -3.98% | -2.90% | -4.42% | -256 bps | |
| Loan Growth (YoY) | 5.05% | 2.69% | -0.26% | -4.24% | -1.84% | -689 bps | |
| Deposit Growth (YoY) | -0.45% | -2.41% | -7.68% | -8.00% | 1.52% | +197 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.39% | 0.44% | 0.31% | 0.29% | -21 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.01% | -0.05% | 0.04% | 0.01% | -6 bps | |
| Allowance / Loans | 0.75% | 0.78% | 0.80% | 0.79% | 0.78% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.0x | 1.8x | 2.5x | 2.6x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.27% | 10.61% | 9.18% | 9.29% | 8.65% | -162 bps | |
| Total Risk-Based Capital | 12.65% | 12.83% | 11.26% | 11.63% | 10.98% | -167 bps | |
| Equity / Assets | 12.02% | 12.33% | 10.92% | 10.79% | 10.48% | -153 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.07% | 94.56% | 99.35% | 97.89% | 95.79% | -328 bps | |
| Liquid Assets / Assets | 5.47% | 6.73% | 5.70% | 7.01% | 4.56% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |