Chula Vista, CA · Cert 58662
FDIC · 1 branch
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.
Chula Vista, CA · Cert 58662
FDIC · 1 branch
Q1 2015
Market Position · San Diego-Carlsbad, CA · 2014 SOD (annual) · 0.2% share · #26 of 52 inst. · $0.1B of $69.2B
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 | -0.51% | -0.18% | -0.10% | 0.14% | 0.03% | 0.29% | 0.63% | -0.11% | -25 bps | |
| Return on Equity | -4.51% | -1.67% | -0.93% | 1.52% | 0.37% | 3.25% | 6.77% | -1.05% | -256 bps | |
| Net Interest Margin | 4.49% | 4.09% | 3.83% | 3.78% | 3.89% | 3.88% | 4.04% | 4.01% | +24 bps | |
| Efficiency Ratio | 102.25% | 98.67% | 95.93% | 97.43% | 99.42% | 95.36% | 90.28% | 98.70% | +127 bps | |
| Non-Interest Burden | 4.61% | 4.02% | 3.63% | 3.65% | 3.87% | 3.67% | 3.55% | 3.92% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.68% | 18.26% | 34.54% | 30.25% | 19.62% | 8.42% | -5.49% | -11.04% | -4,129 bps | |
| Loan Growth (YoY) | 27.77% | 21.25% | 25.63% | 6.83% | -2.30% | 2.50% | -16.18% | -8.52% | -1,535 bps | |
| Deposit Growth (YoY) | 14.14% | 20.62% | 39.64% | 34.01% | 21.80% | 8.95% | -6.91% | -12.96% | -4,697 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 | 0.01% | 0.02% | 0.05% | 0.00% | 0.58% | 0.40% | 0.35% | 0.00% | 0 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.56% | 1.60% | 1.36% | 1.32% | 1.51% | 1.34% | -26 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 | 10.19% | n/a | n/a |
| Total Risk-Based Capital | 16.84% | 17.20% | 16.64% | 16.78% | 17.05% | 16.27% | 20.26% | 21.29% | +451 bps | |
| Equity / Assets | 10.53% | 9.81% | 9.04% | 8.97% | 8.94% | 9.35% | 10.32% | 10.89% | +192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.64% | 82.41% | 78.91% | 75.96% | 73.51% | 77.54% | 71.05% | 79.83% | +387 bps | |
| Liquid Assets / Assets | 0.51% | 0.48% | 0.63% | 0.33% | 0.36% | 0.28% | 0.54% | 0.61% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |