Irvine, CA · Cert 58415
FDIC · 1 branch
Q4 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 0.1% share · #65 of 116 inst. · $0.4B of $767.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | 0.86% | 0.64% | 0.71% | 0.97% | 1.09% | 1.65% | 1.14% | +42 bps | |
| Return on Equity | -1.68% | 9.27% | 7.37% | 7.95% | 10.99% | 12.31% | 16.71% | 9.93% | +197 bps | |
| Net Interest Margin | 5.00% | 4.18% | 4.31% | 4.62% | 4.86% | 5.55% | 5.82% | 5.59% | +97 bps | |
| Efficiency Ratio | 88.75% | 49.22% | 76.37% | 75.89% | 64.95% | 62.62% | 56.02% | 67.10% | -879 bps | |
| Non-Interest Burden | 4.42% | 1.87% | 2.98% | 3.09% | 2.50% | 2.53% | 2.23% | 3.25% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 24.03% | 27.22% | 23.56% | 32.27% | 5.45% | -6.50% | -14.10% | -3,766 bps | |
| Loan Growth (YoY) | -5.22% | 41.54% | 48.58% | 40.64% | 60.41% | 3.70% | -8.98% | -18.86% | -5,950 bps | |
| Deposit Growth (YoY) | 4.73% | 17.87% | 16.73% | 15.90% | -6.97% | -15.74% | -13.36% | -11.51% | -2,741 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.63% | 0.26% | 0.18% | 0.15% | 0.14% | 0.14% | 0.16% | -3 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.18% | -0.10% | 0.06% | 0.11% | -0.05% | -0.07% | 0.06% | 0 bps | |
| Allowance / Loans | 1.31% | 1.04% | 1.04% | 1.06% | 0.92% | 0.99% | 1.12% | 1.29% | +23 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.6x | 3.9x | 5.8x | 6.2x | 7.2x | 8.0x | 8.3x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.97% | 9.32% | 9.80% | 10.37% | 11.20% | 12.25% | 12.74% | 13.43% | +306 bps | |
| Total Risk-Based Capital | 16.22% | 16.88% | 18.36% | 18.81% | 20.81% | 21.59% | 22.41% | 24.14% | +533 bps | |
| Equity / Assets | 10.09% | 8.65% | 8.76% | 9.21% | 8.51% | 9.18% | 10.71% | 12.30% | +309 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.07% | 108.22% | 114.99% | 117.39% | 143.23% | 133.19% | 120.80% | 107.64% | -975 bps | |
| Liquid Assets / Assets | 23.90% | 8.70% | 8.00% | 8.94% | 8.44% | 10.39% | 10.39% | 13.77% | +483 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |