Spokane, WA · Cert 22441
FDIC · 99 branches
Q3 2015
Market Position · Sacramento-Roseville-Arden-Arcade, CA · 2015 SOD (annual) · 1.3% share · #14 of 40 inst. · $0.6B of $45.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.02% | 0.62% | 0.72% | 1.44% | 0.66% | 0.89% | 0.66% | -6 bps | |
| Return on Equity | 7.82% | 7.60% | 4.58% | 5.33% | 10.67% | 5.10% | 6.98% | 5.02% | -31 bps | |
| Net Interest Margin | 3.70% | 4.04% | 3.64% | 3.48% | 3.61% | 3.58% | 3.66% | 3.53% | +5 bps | |
| Efficiency Ratio | 72.99% | 66.54% | 76.69% | 72.80% | 68.40% | 73.42% | 69.68% | 73.47% | +67 bps | |
| Non-Interest Burden | 2.47% | 2.32% | 2.67% | 2.35% | 2.29% | 2.41% | 2.28% | 2.38% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.18% | 44.27% | 8.21% | 11.23% | 7.37% | 18.64% | 12.86% | 10.44% | -79 bps | |
| Loan Growth (YoY) | 33.50% | 33.93% | 5.38% | 13.71% | 16.84% | 32.90% | 22.28% | 16.95% | +324 bps | |
| Deposit Growth (YoY) | 49.69% | 48.68% | 3.74% | 8.47% | 1.02% | 16.39% | 13.96% | 12.14% | +367 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 | -0.14% | -0.05% | -0.02% | -0.20% | -0.14% | -0.05% | -0.04% | -0.08% | +12 bps | |
| Allowance / Loans | 0.55% | 0.61% | 0.58% | 0.59% | 0.62% | 0.58% | 0.54% | 0.55% | -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 | 9.52% | 9.65% | 10.15% | n/a | |
| Total Risk-Based Capital | 12.42% | 13.47% | 13.43% | 13.75% | 13.85% | 13.13% | 13.72% | 14.15% | +40 bps | |
| Equity / Assets | 13.21% | 13.73% | 13.44% | 13.51% | 13.52% | 12.52% | 12.87% | 13.25% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.12% | 69.15% | 75.85% | 79.14% | 81.11% | 78.96% | 81.39% | 82.54% | +340 bps | |
| Liquid Assets / Assets | 1.86% | 2.62% | 2.78% | 2.59% | 3.29% | 3.87% | 3.89% | 3.80% | +121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |