Manteca, CA · Cert 21147
FDIC · 4 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Manteca, CA · Cert 21147
FDIC · 4 branches
Q3 2016
Market Position · Stockton-Lodi, CA · 2016 SOD (annual) · 0.5% share · #17 of 19 inst. · $0.1B of $9.3B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -1.14% | -0.71% | -1.27% | -0.38% | -0.70% | -0.51% | -1.48% | -21 bps | |
| Return on Equity | -9.06% | -12.88% | -8.10% | -14.80% | -4.46% | -8.43% | -6.25% | -19.10% | -430 bps | |
| Net Interest Margin | 2.57% | 2.45% | 2.58% | 2.54% | 2.53% | 2.76% | 2.94% | 2.78% | +24 bps | |
| Efficiency Ratio | 124.08% | 141.04% | 121.55% | 141.89% | 109.97% | 122.64% | 132.35% | 159.43% | +1,753 bps | |
| Non-Interest Burden | 3.47% | 3.59% | 3.28% | 3.80% | 2.90% | 3.45% | 3.95% | 4.57% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.58% | 6.38% | 5.40% | 2.56% | 0.17% | 1.67% | 6.41% | 7.64% | +508 bps | |
| Loan Growth (YoY) | 9.40% | 13.13% | 13.05% | 11.94% | 19.78% | 11.12% | 7.38% | 5.71% | -623 bps | |
| Deposit Growth (YoY) | 5.72% | 6.03% | 5.23% | 2.46% | 0.81% | 2.24% | 7.49% | 9.11% | +665 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 | 0.01% | 0.00% | 0.28% | 0.19% | 0.03% | 0.00% | -1.38% | -0.92% | -110 bps | |
| Allowance / Loans | 1.70% | 1.57% | 1.44% | 1.41% | 1.39% | 1.38% | 1.44% | 1.43% | +2 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 | 8.80% | 8.61% | 8.03% | 8.49% | 8.32% | 7.98% | 7.06% | -97 bps | |
| Total Risk-Based Capital | 21.36% | 19.64% | 20.13% | 18.17% | 19.08% | 18.66% | 19.87% | 17.68% | -49 bps | |
| Equity / Assets | 9.07% | 8.58% | 8.70% | 7.92% | 8.53% | 8.07% | 7.76% | 6.66% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.34% | 40.37% | 40.81% | 40.59% | 45.56% | 43.88% | 40.77% | 39.32% | -126 bps | |
| Liquid Assets / Assets | 10.56% | 9.13% | 9.06% | 7.24% | 6.66% | 5.48% | 4.20% | 1.64% | -560 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |