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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.25% | 0.06% | 0.79% | 0.45% | -57 bps | |
| Return on Equity | 11.15% | 2.83% | 0.72% | 9.46% | 5.88% | -527 bps | |
| Net Interest Margin | 4.28% | 4.19% | 4.22% | 4.32% | 4.32% | +4 bps | |
| Efficiency Ratio | 66.99% | 86.01% | 90.29% | 72.14% | 81.64% | +1,464 bps | |
| Non-Interest Burden | 2.27% | 3.44% | 3.75% | 2.49% | 3.28% | +100 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.18% | 0.25% | 0.27% | 0.17% | +7 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.42% | 8.25% | 8.26% | 8.37% | 7.98% | -44 bps | |
| Total Risk-Based Capital | 14.89% | 14.37% | 14.73% | 14.62% | 10.96% | -393 bps | |
| Equity / Assets | 8.74% | 8.84% | 8.37% | 8.31% | 6.98% | -176 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.10% | 101.43% | 78.67% | 81.64% | 113.61% | +2,451 bps | |
| Liquid Assets / Assets | 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 |