El Segundo, CA · Cert 58568
FDIC · 6 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
El Segundo, CA · Cert 58568
FDIC · 6 branches
Q1 2015
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #53 of 135 inst. · $0.4B of $404.0B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.54% | 0.59% | -1.45% | -0.63% | -0.73% | -0.64% | -1.46% | -2 bps | |
| Return on Equity | 6.29% | 4.59% | 4.99% | -12.66% | -5.48% | -6.38% | -5.64% | -13.10% | -44 bps | |
| Net Interest Margin | 3.80% | 3.81% | 3.85% | 3.26% | 3.58% | 3.68% | 3.75% | 4.24% | +98 bps | |
| Efficiency Ratio | 91.02% | 92.44% | 91.76% | 116.88% | 103.53% | 99.50% | 100.45% | 120.57% | +369 bps | |
| Non-Interest Burden | 3.02% | 3.23% | 3.24% | 4.50% | 3.96% | 4.24% | 4.25% | 5.61% | +111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 2.60% | 8.29% | 1.98% | 3.21% | 3.92% | -0.82% | -4.45% | -643 bps | |
| Loan Growth (YoY) | 6.44% | -4.94% | -11.77% | -13.79% | 1.24% | 13.49% | 14.06% | 11.03% | +2,482 bps | |
| Deposit Growth (YoY) | 9.33% | 8.66% | 12.85% | 1.82% | 4.68% | 4.99% | -0.27% | -4.54% | -637 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | -0.12% | 0.02% | 0.10% | 0.06% | 0.04% | 0.00% | -3 bps | |
| Allowance / Loans | 0.62% | 0.67% | 0.81% | 0.86% | 0.81% | 0.84% | 0.88% | 0.87% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.42% | n/a | n/a |
| Total Risk-Based Capital | 13.39% | 14.79% | 15.15% | 14.25% | 12.89% | 13.01% | 12.85% | 12.47% | -178 bps | |
| Equity / Assets | 11.87% | 12.04% | 11.63% | 11.26% | 11.49% | 11.28% | 11.14% | 11.22% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.68% | 83.06% | 76.05% | 78.27% | 90.60% | 89.78% | 86.98% | 91.04% | +1,277 bps | |
| Liquid Assets / Assets | 7.56% | 16.20% | 22.76% | 17.55% | 5.25% | 7.06% | 10.52% | 8.01% | -954 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |