Pasadena, CA · Cert 58978
FDIC · 84 branches
Q4 2021
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2021 SOD (annual) · 5.2% share · #6 of 116 inst. · $39.7B of $767.5B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.50% | -2.33% | -1.22% | -0.86% | 2.14% | 1.92% | 1.79% | 1.78% | +263 bps | |
| Return on Equity | -43.64% | -24.12% | -12.91% | -9.05% | 22.10% | 19.17% | 17.43% | 17.03% | +2,608 bps | |
| Net Interest Margin | 2.44% | 2.15% | 2.13% | 2.21% | 2.35% | 2.39% | 2.44% | 2.48% | +27 bps | |
| Efficiency Ratio | 70.86% | 76.81% | 72.62% | 71.33% | 66.21% | 61.06% | 61.66% | 60.69% | -1,064 bps | |
| Non-Interest Burden | 3.79% | 2.53% | 1.95% | 1.98% | 1.06% | 0.82% | 0.87% | 0.82% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.58% | 27.09% | 22.12% | 15.72% | -4.41% | -13.10% | -12.09% | -9.20% | -2,492 bps | |
| Loan Growth (YoY) | 26.34% | 22.96% | 21.51% | 19.25% | -7.37% | -12.18% | -11.81% | -11.40% | -3,065 bps | |
| Deposit Growth (YoY) | 20.86% | 31.29% | 24.14% | 23.39% | -0.86% | -10.76% | -10.48% | -9.02% | -3,241 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 1.76% | 2.06% | 2.32% | 2.47% | 2.06% | 1.39% | 1.56% | -75 bps | |
| Net Charge-Offs / Loans | 1.00% | 1.00% | 0.82% | 1.02% | 0.24% | 0.31% | 0.24% | 0.21% | -81 bps | |
| Allowance / Loans | 3.03% | 3.25% | 3.30% | 2.98% | 2.72% | 2.64% | 2.51% | 2.31% | -67 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.8x | 1.6x | 1.3x | 1.1x | 1.3x | 1.8x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 8.32% | 8.50% | 8.95% | 9.98% | 10.60% | 11.09% | 11.40% | +246 bps | |
| Total Risk-Based Capital | 12.28% | 12.31% | 12.69% | 13.10% | 14.03% | 15.06% | 15.40% | 15.65% | +255 bps | |
| Equity / Assets | 9.20% | 8.51% | 8.89% | 9.44% | 9.94% | 10.71% | 10.98% | 11.30% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.14% | 76.13% | 77.14% | 77.71% | 78.61% | 74.92% | 75.99% | 75.67% | -203 bps | |
| Liquid Assets / Assets | 6.21% | 13.62% | 11.47% | 7.05% | 9.91% | 10.00% | 8.73% | 5.66% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |