PackageTrendsPeer
Letter portraitLegal landscape

California Republic Bank

Newport Beach, CA · Cert 58663

FDIC · 5 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

California Republic Bank

Newport Beach, CA · Cert 58663

FDIC · 5 branches

Q3 2016

$2.2BAssets
$1.8BLoans
$1.6BDeposits
$155.3MEquity
Loan mix
30%RE $464.6M23%C&I $347.0M47%Consumer $728.4MQ3 2015Q3 2016
Deposit mix
36%Interest-bearing $569.7M64%Noninterest $997.7MQ3 2015Q3 2016

NIM

4.39%Q3 ’143.76%Q3 ’154.37%Q3 ’16-15%+15%

Non-interest income vs. expense

4.91%Q3 ’143.99%Q3 ’154.41%Q3 ’16+5%+64%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2016 SOD (annual) · 0.3% share · #31 of 125 inst. · $1.6B of $494.7B

1.1% Orange
0.2% Los Angeles
0.4% Ventura
0.0% San Diego

Executive Summary

  • Earnings: ROA of 0.43%, down 60 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 7.98%, down 44 bps from a year ago.
  • Funding: loans stand at 113.61% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.43%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+55 bps YoY

Efficiency Ratio (YTD, annualized)

80.45%+1,039 bps YoY

Tier 1 Leverage Ratio

7.98%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.03%0.82%0.06%0.44%0.43%-60 bps
Return on Equity10.73%8.67%0.72%5.13%5.39%-535 bps
Net Interest Margin3.55%3.63%4.22%4.25%4.09%+55 bps
Efficiency Ratio70.06%73.98%90.29%79.81%80.45%+1,039 bps
Non-Interest Burden1.85%2.20%3.75%3.09%3.03%+118 bps
Growth
Asset Growth (YoY)69.44%47.72%31.40%23.90%33.59%-3,584 bps
Loan Growth (YoY)98.40%67.39%49.08%26.12%45.95%-5,245 bps
Deposit Growth (YoY)51.28%28.19%35.64%33.76%14.47%-3,681 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.12%0.25%0.25%0.18%+9 bps
Allowance / Loans0.73%0.76%0.84%0.87%0.68%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.42%8.25%8.26%8.37%7.98%-44 bps
Total Risk-Based Capital14.89%14.37%14.73%14.62%10.96%-393 bps
Equity / Assets8.74%8.84%8.37%8.31%6.98%-176 bps
Liquidity & Funding
Loans / Deposits89.10%101.43%78.67%81.64%113.61%+2,451 bps
Liquid Assets / Assets7.52%5.38%13.00%11.75%7.70%+18 bps
CRE / Total Capitaln/an/an/an/an/an/an/a