Silicon Valley Bank

Santa Clara, CA · Cert 24735

FDIC · 17 branches

Q4 2022

$209.0BAssets

$74.2BLoans

$161.5BDeposits

$15.5BEquity

Deposit mix

NIM

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

Earnings: ROA of 0.80%, down 8 bps year over year; NIM at 2.00%.
Asset quality: problem loans at 0.19% of loans (+6 bps YoY), with net charge-offs at 0.15%.

Return on Assets (quarter, annualized)

0.80%-8 bps YoY

Net Interest Margin (quarter, annualized)

2.00%+11 bps YoY

Efficiency Ratio (quarter, annualized)

51.01%+233 bps YoY

Tier 1 Leverage Ratio

7.96%+72 bps YoY

Discrete quarter, annualized.

Metric	Q4 2021	Q1 2022	Q2 2022	Q3 2022	Q4 2022	YoY Δ	Trend
Earnings
Return on Assets	0.88%	0.96%	0.94%	1.12%	0.80%	-8 bps
Return on Equity	12.32%	14.00%	13.46%	15.44%	10.91%	-141 bps
Net Interest Margin	1.89%	2.06%	2.20%	2.28%	2.00%	+11 bps
Efficiency Ratio	48.68%	50.60%	41.81%	43.09%	51.01%	+233 bps
Non-Interest Burden	0.70%	0.83%	0.57%	0.64%	0.69%	-1 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 / Loans	0.13%	0.11%	0.13%	0.11%	0.19%	+6 bps
Net Charge-Offs / Loans	0.00%	0.05%	0.11%	0.08%	0.15%	+15 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	7.24%	7.09%	7.55%	7.91%	7.96%	+72 bps
Total Risk-Based Capital	15.40%	15.41%	16.05%	16.23%	16.05%	+65 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	37.79%	37.56%	40.56%	43.62%	45.98%	+819 bps
Liquid Assets / Assets	47.08%	45.32%	45.24%	44.37%	43.69%	-339 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a