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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.36% | 1.22% | 1.24% | 3.99% | +293 bps | |
| Return on Equity | 11.14% | 15.54% | 13.58% | 13.30% | 37.93% | +2,679 bps | |
| Net Interest Margin | 4.52% | 4.32% | 4.20% | 4.35% | 4.46% | -6 bps | |
| Efficiency Ratio | 59.88% | 47.51% | 53.08% | 52.54% | 64.74% | +486 bps | |
| Non-Interest Burden | 2.58% | 1.93% | 1.90% | 2.08% | 2.71% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 6.50% | 4.92% | 13.13% | -0.80% | -515 bps | |
| Loan Growth (YoY) | 22.26% | 18.89% | 16.05% | 16.38% | 12.04% | -1,022 bps | |
| Deposit Growth (YoY) | 9.54% | 16.22% | 13.96% | 7.98% | -5.36% | -1,490 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.05% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.48% | +47 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.30% | 1.30% | 1.30% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 61.5x | 24.6x | 12.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.07% | 8.82% | 9.15% | 9.52% | 10.94% | +187 bps | |
| Total Risk-Based Capital | 11.68% | 12.06% | 11.84% | 11.85% | 12.77% | +110 bps | |
| Equity / Assets | 8.76% | 8.79% | 9.12% | 9.58% | 11.49% | +273 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.04% | 85.69% | 90.92% | 97.27% | 106.59% | +1,655 bps | |
| Liquid Assets / Assets | 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 |