Los Angeles, CA · Cert 58706
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Los Angeles, CA · Cert 58706
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.29% | 0.42% | 1.00%1 | 1.01% | 0.80% | 0.89% | 2.14%1 | +115 bps | |
| Return on Equity | n/a | n/a | n/a | 9.89% | 10.13% | 7.95% | 8.76% | 18.95% | +906 bps | |
| Net Interest Margin | 2.82% | 2.79% | 2.82% | 3.04% | 2.95% | 3.04% | 3.12% | 2.62% | -42 bps | |
| Efficiency Ratio | 89.61% | 87.96% | 83.26% | 78.25% | 76.25% | 81.74% | 76.68% | 154.63% | +7,638 bps | |
| Non-Interest Burden | 2.53% | 2.46% | 2.34% | 2.38% | 2.25% | 2.48% | 2.39% | 4.06% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.04% | 15.88% | 16.06% | 12.16% | 14.24% | -0.73% | -3.59% | -12.44% | -2,460 bps | |
| Loan Growth (YoY) | 21.94% | 41.61% | 43.01% | 38.92% | 47.92% | 12.22% | 2.08% | -11.38% | -5,029 bps | |
| Deposit Growth (YoY) | 8.25% | 11.61% | 10.79% | 7.51% | 11.27% | -0.10% | -6.32% | -10.08% | -1,759 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 | 0.07% | 0.03% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.68% | 1.50% | 1.52% | 1.47% | 1.45% | 1.42% | 1.44% | 1.44% | -3 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.64% | 19.29% | 18.57% | 20.70% | 20.32% | 18.40% | 19.62% | 29.62% | +892 bps | |
| Equity / Assets | 10.57% | 9.92% | 10.13% | 10.00% | 9.76% | 10.28% | 10.90% | 11.73% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.15% | 61.86% | 61.99% | 62.18% | 64.00% | 69.49% | 67.55% | 61.28% | -89 bps | |
| Liquid Assets / Assets | 11.26% | 5.20% | 7.03% | 12.06% | 13.02% | 3.57% | 9.89% | 35.48% | +2,342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |