Newport Beach, CA · Cert 58663
FDIC · 5 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newport Beach, CA · Cert 58663
FDIC · 5 branches
Q3 2016
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2016 SOD (annual) · 0.3% share · #31 of 125 inst. · $1.6B of $494.7B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.13% | 1.04% | 1.03% | 0.82% | 0.06% | 0.44% | 0.43% | -60 bps | |
| Return on Equity | 15.56% | 11.01% | 10.47% | 10.73% | 8.67% | 0.72% | 5.13% | 5.39% | -535 bps | |
| Net Interest Margin | 3.96% | 4.22% | 3.94% | 3.55% | 3.63% | 4.22% | 4.25% | 4.09% | +55 bps | |
| Efficiency Ratio | 68.94% | 71.92% | 71.76% | 70.06% | 73.98% | 90.29% | 79.81% | 80.45% | +1,039 bps | |
| Non-Interest Burden | 1.82% | 2.07% | 2.02% | 1.85% | 2.20% | 3.75% | 3.09% | 3.03% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.73% | 59.80% | 56.44% | 69.44% | 47.72% | 31.40% | 23.90% | 33.59% | -3,584 bps | |
| Loan Growth (YoY) | 50.96% | 71.47% | 83.37% | 98.40% | 67.39% | 49.08% | 26.12% | 45.95% | -5,245 bps | |
| Deposit Growth (YoY) | 21.59% | 51.44% | 41.19% | 51.28% | 28.19% | 35.64% | 33.76% | 14.47% | -3,681 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 | 0.11% | 0.19% | 0.11% | 0.10% | 0.12% | 0.25% | 0.25% | 0.18% | +9 bps | |
| Allowance / Loans | 0.79% | 0.75% | 0.71% | 0.73% | 0.76% | 0.84% | 0.87% | 0.68% | -5 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 | 10.47% | 10.12% | 8.42% | 8.25% | 8.26% | 8.37% | 7.98% | -44 bps | |
| Total Risk-Based Capital | 20.29% | 18.59% | 16.28% | 14.89% | 14.37% | 14.73% | 14.62% | 10.96% | -393 bps | |
| Equity / Assets | 11.09% | 9.53% | 9.47% | 8.74% | 8.84% | 8.37% | 8.31% | 6.98% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.68% | 71.58% | 86.59% | 89.10% | 101.43% | 78.67% | 81.64% | 113.61% | +2,451 bps | |
| Liquid Assets / Assets | 15.51% | 18.74% | 5.93% | 7.52% | 5.38% | 13.00% | 11.75% | 7.70% | +18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |