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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.03% | 0.29% | 0.63% | -0.11% | -25 bps | |
| Return on Equity | 1.52% | 0.37% | 3.25% | 6.77% | -1.05% | -256 bps | |
| Net Interest Margin | 3.78% | 3.89% | 3.88% | 4.04% | 4.01% | +24 bps | |
| Efficiency Ratio | 97.43% | 99.42% | 95.36% | 90.28% | 98.70% | +127 bps | |
| Non-Interest Burden | 3.65% | 3.87% | 3.67% | 3.55% | 3.92% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.25% | 19.62% | 8.42% | -5.49% | -11.04% | -4,129 bps | |
| Loan Growth (YoY) | 6.83% | -2.30% | 2.50% | -16.18% | -8.52% | -1,535 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.58% | 0.40% | 0.35% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 10.19% | n/a | n/a |
| Total Risk-Based Capital | 16.78% | 17.05% | 16.27% | 20.26% | 21.29% | +451 bps | |
| Equity / Assets | 8.97% | 8.94% | 9.35% | 10.32% | 10.89% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.96% | 73.51% | 77.54% | 71.05% | 79.83% | +387 bps | |
| Liquid Assets / Assets | 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 |