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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.05% | 1.01% | 1.04% | 1.06% | 0.81% | 1.13% | 1.11% | +7 bps | |
| Return on Equity | 9.54% | 9.45% | 8.80% | 8.91% | 8.94% | 6.96% | 10.43% | 10.32% | +141 bps | |
| Net Interest Margin | 3.52% | 3.58% | 3.60% | 3.63% | 3.72% | 3.71% | 3.71% | 3.74% | +11 bps | |
| Efficiency Ratio | 50.05% | 49.89% | 51.16% | 51.29% | 51.05% | 54.58% | 56.01% | 70.68% | +1,939 bps | |
| Non-Interest Burden | 1.69% | 1.71% | 1.75% | 1.76% | 1.80% | 1.93% | 2.02% | 2.58% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 4.15% | 3.61% | -1.86% | -2.85% | -3.98% | -2.90% | -4.42% | -256 bps | |
| Loan Growth (YoY) | 2.67% | 3.69% | 8.57% | 5.05% | 2.69% | -0.26% | -4.24% | -1.84% | -689 bps | |
| Deposit Growth (YoY) | 3.50% | 0.68% | 3.09% | -0.45% | -2.41% | -7.68% | -8.00% | 1.52% | +197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.57% | 0.50% | 0.39% | 0.44% | 0.31% | 0.29% | -21 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.03% | 0.01% | 0.00% | 0.04% | 0.02% | -1 bps | |
| Allowance / Loans | 0.77% | 0.78% | 0.76% | 0.75% | 0.78% | 0.80% | 0.79% | 0.78% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 1.5x | 2.0x | 1.8x | 2.5x | 2.6x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 9.96% | 10.17% | 10.27% | 10.61% | 9.18% | 9.29% | 8.65% | -162 bps | |
| Total Risk-Based Capital | 13.26% | 12.06% | 12.23% | 12.65% | 12.83% | 11.26% | 11.63% | 10.98% | -167 bps | |
| Equity / Assets | 11.41% | 11.51% | 11.52% | 12.02% | 12.33% | 10.92% | 10.79% | 10.48% | -153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.86% | 91.96% | 94.05% | 99.07% | 94.56% | 99.35% | 97.89% | 95.79% | -328 bps | |
| Liquid Assets / Assets | 5.54% | 6.42% | 6.27% | 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 | n/a | n/a | n/a |