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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.37% | 0.47% | 0.54% | 0.97% | 1.04% | 1.25% | 1.23% | +69 bps | |
| Return on Equity | -1.68% | 3.84% | 5.04% | 5.79% | 10.99% | 11.66% | 13.39% | 12.49% | +670 bps | |
| Net Interest Margin | 5.00% | 4.15% | 4.28% | 4.46% | 4.86% | 5.34% | 5.49% | 5.62% | +116 bps | |
| Efficiency Ratio | 88.75% | 68.58% | 71.12% | 72.34% | 64.95% | 63.74% | 60.77% | 62.29% | -1,005 bps | |
| Non-Interest Burden | 4.42% | 2.70% | 2.72% | 2.83% | 2.50% | 2.48% | 2.50% | 2.96% | +13 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% | 0.13% | 0.05% | 0.05% | 0.11% | 0.03% | 0.00% | 0.02% | -4 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 |