Pasadena, CA · Cert 58878
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 | 1.58% | 1.68% | 1.73% | 1.86% | 1.71% | 1.79% | 1.82% | 1.81% | -5 bps | |
| Return on Equity | 10.67% | 11.40% | 11.68% | 12.39% | 11.42% | 11.96% | 12.06% | 11.80% | -59 bps | |
| Net Interest Margin | 4.88% | 4.79% | 4.78% | 4.90% | 4.77% | 4.73% | 4.76% | 4.59% | -31 bps | |
| Efficiency Ratio | 41.78% | 40.76% | 40.70% | 35.44% | 37.79% | 37.14% | 36.66% | 36.74% | +130 bps | |
| Non-Interest Burden | 1.78% | 1.71% | 1.73% | 1.55% | 1.62% | 1.59% | 1.58% | 1.37% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.79% | 11.27% | 8.67% | 7.49% | 10.66% | 8.88% | 9.59% | 9.71% | +222 bps | |
| Loan Growth (YoY) | 25.81% | 17.23% | 15.51% | 16.24% | 19.22% | 21.84% | 19.21% | 19.28% | +304 bps | |
| Deposit Growth (YoY) | 12.46% | 13.30% | 8.86% | 7.18% | 8.91% | 9.32% | 9.83% | 8.67% | +149 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 | 0.28% | 0.28% | 0.21% | 0.15% | 0.13% | 0.12% | 0.09% | 0.34% | +19 bps | |
| Allowance / Loans | 1.95% | 1.87% | 1.76% | 1.71% | 1.69% | 1.65% | 1.63% | 1.54% | -17 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 | 16.20% | 16.69% | 16.50% | 16.68% | 16.18% | 16.28% | 16.29% | 16.06% | -62 bps | |
| Equity / Assets | 14.60% | 14.63% | 14.93% | 15.04% | 14.90% | 15.10% | 15.30% | 15.32% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.93% | 95.01% | 100.71% | 101.87% | 106.11% | 105.90% | 109.31% | 111.81% | +994 bps | |
| Liquid Assets / Assets | 3.88% | 6.36% | 3.06% | 4.67% | 2.76% | 2.71% | 1.60% | 0.98% | -369 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |