Costa Mesa, CA · Cert 59094
FDIC · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Costa Mesa, CA · Cert 59094
FDIC · 1 branch
Q2 2018
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.0% share · #94 of 121 inst. · $0.1B of $536.2B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -11.75% | -6.20% | -4.27% | -3.24% | -3.95% | -3.32% | +287 bps | |
| Return on Equity | -20.24% | -21.68% | -19.25% | -19.49% | -22.84% | -18.81% | +287 bps | |
| Net Interest Margin | 0.56% | 0.83% | 0.84% | 1.16% | 2.60% | 2.66% | +183 bps | |
| Efficiency Ratio | 2970% | 923% | 541% | 400% | 216% | 215% | -70,809 bps | |
| Non-Interest Burden | 17.39% | 7.85% | 4.63% | 4.69% | 5.66% | 5.77% | -209 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 179.12% | 31.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1021% | 92.41% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 525% | 49.55% | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.25% | 0.95% | 0.97% | 1.12% | 1.25% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||
| Tier 1 Leverage Ratio | 90.03% | 39.40% | 23.50% | 21.29% | 17.04% | 17.99% | -2,141 bps | |
| Total Risk-Based Capital | 266% | 72.82% | 45.28% | 38.82% | 30.20% | 30.62% | -4,220 bps | |
| Equity / Assets | 58.03% | 28.59% | 22.20% | 16.63% | 18.04% | 18.56% | -1,003 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.97% | 61.92% | 70.42% | 59.85% | 87.82% | 79.66% | +1,774 bps | |
| Liquid Assets / Assets | 78.06% | 55.29% | 44.98% | 49.85% | 28.09% | 34.80% | -2,049 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |