Los Angeles, CA · Cert 58706
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.43%1 | 0.76% | 1.00%1 | 1.02% | 0.36% | 1.19% | 2.14%1 | +115 bps | |
| Return on Equity | 2.66% | 4.19% | 7.61% | 9.89% | 10.36% | 3.59% | 11.23% | 18.95% | +906 bps | |
| Net Interest Margin | 2.83% | 2.86% | 3.24% | 3.04% | 2.99% | 3.05% | 3.06% | 2.62% | -42 bps | |
| Efficiency Ratio | 87.04% | 84.77% | 71.59% | 78.25% | 74.31% | 92.65% | 61.13% | 154.63% | +7,638 bps | |
| Non-Interest Burden | 2.46% | 2.42% | 2.32% | 2.38% | 2.22% | 2.83% | 1.87% | 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 | 0.14% | 0.00% | 0.00% | 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 |