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Silicon Valley Bank

Santa Clara, CA · Cert 24735

FDIC · 17 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Silicon Valley Bank

Santa Clara, CA · Cert 24735

FDIC · 17 branches

Q4 2022

$209.0BAssets
$74.2BLoans
$161.5BDeposits
$15.5BEquity
Deposit mix
51%Interest-bearing $82.1B49%Noninterest $79.4BQ4 2021Q4 2022

NIM

2.21%Q4 ’201.63%Q4 ’212.66%Q4 ’22-26%+34%

Non-interest income vs. expense

1.54%Q4 ’201.10%Q4 ’211.28%Q4 ’22-23%-2%

Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2022 SOD (annual) · 51.4% share · #1 of 42 inst. · $151.8B of $295.6B

51.6% Santa Clara
23.4% San Mateo
1.2% Suffolk
3.2% Norfolk

Executive Summary

  • Earnings: ROA of 0.96%, up 16 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.19% of loans (+6 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 7.96%, up 72 bps from a year ago.
  • Funding: loans stand at 45.98% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.96%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+55 bps YoY

Efficiency Ratio (YTD, annualized)

46.42%-840 bps YoY

Tier 1 Leverage Ratio

7.96%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.80%0.96%0.96%1.01%0.96%+16 bps
Return on Equity11.88%14.00%13.65%14.31%13.43%+155 bps
Net Interest Margin1.60%2.06%2.11%2.19%2.14%+55 bps
Efficiency Ratio54.82%50.60%45.92%44.92%46.42%-840 bps
Non-Interest Burden0.70%0.83%0.69%0.68%0.68%-2 bps
Growth
Asset Growth (YoY)83.22%55.28%31.40%11.64%0.21%-8,301 bps
Loan Growth (YoY)46.69%44.03%39.83%17.32%12.03%-3,466 bps
Deposit Growth (YoY)85.06%59.32%30.19%4.10%-7.93%-9,299 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.11%0.13%0.11%0.19%+6 bps
Net Charge-Offs / Loans0.17%0.05%0.08%0.08%0.10%-7 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.24%7.09%7.55%7.91%7.96%+72 bps
Total Risk-Based Capital15.40%15.41%16.05%16.23%16.05%+65 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits37.79%37.56%40.56%43.62%45.98%+819 bps
Liquid Assets / Assets47.08%45.32%45.24%44.37%43.69%-339 bps
CRE / Total Capitaln/an/an/an/an/an/an/a