El Centro, CA · Cert 23364
FDIC · 103 branches
Q2 2019
Market Position · San Luis Obispo-Paso Robles, CA · 2019 SOD (annual) · 21.8% share · #1 of 15 inst. · $1.5B of $6.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | -11.36% | 1.28% | 0.94% | 1.15% | 0.89% | 2.13% | 1.34% | +40 bps | |
| Return on Equity | 6.19% | -92.02% | 11.70% | 8.31% | 9.94% | 7.65% | 17.42% | 10.17% | +186 bps | |
| Net Interest Margin | 3.05% | 3.00% | 3.27% | 3.23% | 3.26% | 3.29% | 3.29% | 3.30% | +8 bps | |
| Efficiency Ratio | 60.00% | 392% | 58.64% | 60.26% | 58.81% | 63.19% | 53.41% | 52.31% | -795 bps | |
| Non-Interest Burden | 1.62% | 12.73% | 1.71% | 1.73% | 1.71% | 1.87% | 1.50% | 1.41% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.63% | -4.52% | -2.09% | -1.09% | -0.06% | -0.14% | -0.84% | -2.38% | -129 bps | |
| Loan Growth (YoY) | -0.35% | -1.27% | -1.48% | 1.68% | 3.00% | 2.53% | 2.29% | -2.43% | -410 bps | |
| Deposit Growth (YoY) | -9.14% | -3.68% | -4.13% | -3.91% | -2.45% | -0.78% | -0.07% | -1.63% | +229 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.44% | 2.27% | 2.61% | 2.55% | 3.09% | 2.60% | 2.27% | 2.53% | -2 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.08% | -0.24% | 0.24% | 0.01% | 0.00% | 1.50% | 0.03% | -21 bps | |
| Allowance / Loans | 1.39% | 1.38% | 1.37% | 1.33% | 1.31% | 1.29% | 0.52% | 0.52% | -81 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | 0.5x | 0.2x | 0.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.24% | 9.25% | 9.67% | 9.97% | 10.24% | 10.40% | 10.99% | 11.57% | +160 bps | |
| Total Risk-Based Capital | 16.46% | 12.44% | 13.20% | 13.34% | 13.56% | 13.44% | 13.73% | 14.54% | +120 bps | |
| Equity / Assets | 14.00% | 10.74% | 11.18% | 11.41% | 11.66% | 11.72% | 12.76% | 13.50% | +209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.47% | 96.39% | 97.66% | 99.32% | 100.81% | 99.60% | 99.97% | 98.52% | -81 bps | |
| Liquid Assets / Assets | 1.87% | 1.53% | 2.56% | 1.49% | 1.20% | 0.85% | 1.10% | 1.33% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |