Redding, CA · Cert 20959
FDIC · 22 branches
Q3 2014
Market Position · Redding, CA · 2014 SOD (annual) · 15.0% share · #2 of 15 inst. · $0.4B of $2.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.76% | 0.61% | 0.46% | 0.57% | 0.67% | 0.78% | 0.77% | +31 bps | |
| Return on Equity | 3.14% | 5.98% | 4.94% | 3.76% | 4.72% | 5.58% | 6.40% | 6.19% | +243 bps | |
| Net Interest Margin | 3.51% | 3.39% | 3.42% | 3.50% | 3.46% | 3.45% | 3.30% | 3.29% | -22 bps | |
| Efficiency Ratio | 88.98% | 81.32% | 79.89% | 82.84% | 81.63% | 77.35% | 77.09% | 75.55% | -728 bps | |
| Non-Interest Burden | 3.01% | 2.45% | 2.48% | 2.74% | 2.65% | 2.40% | 2.27% | 2.19% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -0.29% | 1.12% | 2.18% | 1.58% | 0.77% | 1.78% | 1.61% | -57 bps | |
| Loan Growth (YoY) | 7.89% | 8.91% | 10.77% | 3.92% | 3.46% | 3.98% | 0.46% | 1.10% | -282 bps | |
| Deposit Growth (YoY) | 0.27% | 0.37% | -1.78% | 2.80% | 2.73% | 1.46% | 4.28% | 1.16% | -165 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 | 0.79% | 0.66% | 0.10% | 0.17% | 0.01% | 0.19% | 0.04% | 0.28% | +11 bps | |
| Allowance / Loans | 2.12% | 1.98% | 1.89% | 1.83% | 1.83% | 1.78% | 1.78% | 1.68% | -15 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 | 18.26% | 18.68% | 18.48% | 18.54% | 18.68% | 19.05% | 19.23% | 19.54% | +100 bps | |
| Equity / Assets | 12.62% | 12.64% | 11.97% | 12.35% | 11.82% | 12.11% | 12.30% | 12.59% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.96% | 62.95% | 65.82% | 65.25% | 64.41% | 64.52% | 63.41% | 65.21% | -4 bps | |
| Liquid Assets / Assets | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% | 0.24% | 0.24% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |