San Juan Capistrano, CA · Cert 58462
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
San Juan Capistrano, CA · Cert 58462
FDIC · 2 branches
Q3 2017
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2017 SOD (annual) · 0.0% share · #82 of 125 inst. · $0.2B of $526.9B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.95% | 1.00% | 1.01% | 1.10% | 1.22% | 1.23% | 2.14% | +113 bps | |
| Return on Equity | 12.09% | 10.23% | 10.40% | 10.75% | 11.86% | 13.58% | 13.42% | 22.03% | +1,129 bps | |
| Net Interest Margin | 4.04% | 4.40% | 4.50% | 4.38% | 4.12% | 4.20% | 4.25% | 4.34% | -4 bps | |
| Efficiency Ratio | 57.52% | 56.91% | 58.63% | 59.05% | 56.08% | 53.08% | 52.81% | 56.85% | -220 bps | |
| Non-Interest Burden | 2.02% | 2.30% | 2.48% | 2.44% | 2.18% | 1.90% | 1.98% | 2.23% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.66% | 13.35% | 2.51% | 4.34% | 6.50% | 4.92% | 13.13% | -0.80% | -515 bps | |
| Loan Growth (YoY) | 10.60% | 16.62% | 19.44% | 22.26% | 18.89% | 16.05% | 16.38% | 12.04% | -1,022 bps | |
| Deposit Growth (YoY) | 11.68% | 7.29% | 5.86% | 9.54% | 16.22% | 13.96% | 7.98% | -5.36% | -1,490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.05% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | +16 bps | |
| Allowance / Loans | 1.38% | 1.37% | 1.37% | 1.31% | 1.31% | 1.30% | 1.30% | 1.30% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 61.5x | 24.6x | 12.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 10.14% | 10.34% | 9.07% | 8.82% | 9.15% | 9.52% | 10.94% | +187 bps | |
| Total Risk-Based Capital | 13.95% | 13.38% | 13.37% | 11.68% | 12.06% | 11.84% | 11.85% | 12.77% | +110 bps | |
| Equity / Assets | 9.24% | 9.36% | 10.36% | 8.76% | 8.79% | 9.12% | 9.58% | 11.49% | +273 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.77% | 89.28% | 90.25% | 90.04% | 85.69% | 90.92% | 97.27% | 106.59% | +1,655 bps | |
| Liquid Assets / Assets | 28.01% | 23.71% | 15.97% | 18.09% | 20.07% | 15.91% | 14.11% | 4.56% | -1,353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |