San Francisco, CA · Cert 20726
FDIC · 1 branch
Q2 2015
Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #60 of 75 inst. · $0.1B of $310.7B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.25% | 0.64% | 0.53% | 0.48% | 0.43% | 0.41% | 0.34% | -19 bps | |
| Return on Equity | 10.86% | 10.25% | 5.09% | 4.19% | 3.80% | 3.35% | 3.06% | 2.48% | -171 bps | |
| Net Interest Margin | 3.58% | 3.12% | 3.28% | 3.11% | 3.06% | 3.13% | 3.10% | 3.27% | +16 bps | |
| Efficiency Ratio | 62.70% | 73.74% | 69.60% | 73.54% | 76.05% | 77.82% | 79.64% | 82.26% | +873 bps | |
| Non-Interest Burden | 2.14% | 2.23% | 2.21% | 2.24% | 2.28% | 2.39% | 2.41% | 2.65% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 3.53% | 4.67% | 10.49% | 3.37% | -1.71% | -4.72% | -9.73% | -2,023 bps | |
| Loan Growth (YoY) | 7.54% | 1.44% | -0.64% | 0.85% | -5.03% | -1.24% | 0.19% | -0.35% | -121 bps | |
| Deposit Growth (YoY) | -2.05% | 2.02% | 2.36% | 9.74% | 3.10% | -3.28% | -6.89% | -12.96% | -2,270 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 | -0.35% | -0.38% | 0.81% | 0.38% | 0.25% | 0.18% | -0.03% | -0.04% | -42 bps | |
| Allowance / Loans | 2.66% | 2.89% | 2.73% | 2.73% | 2.73% | 2.74% | 2.75% | 2.77% | +4 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 | 12.52% | 12.95% | n/a | |
| Total Risk-Based Capital | 18.10% | 18.44% | 19.19% | 18.90% | 19.58% | 19.88% | 19.96% | 20.12% | +122 bps | |
| Equity / Assets | 12.15% | 12.57% | 12.57% | 12.50% | 12.48% | 13.36% | 13.57% | 14.20% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.59% | 94.44% | 90.68% | 89.59% | 88.97% | 96.43% | 97.56% | 102.56% | +1,297 bps | |
| Liquid Assets / Assets | 22.07% | 24.11% | 26.39% | 27.24% | 28.13% | 23.99% | 23.27% | 20.68% | -657 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |