Santa Clara, CA · Cert 24735
FDIC · 17 branches
Q4 2022
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2022 SOD (annual) · 51.4% share · #1 of 42 inst. · $151.8B of $295.6B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.85% | 0.76% | 0.80% | 0.96% | 0.96% | 1.01% | 0.96% | +16 bps | |
| Return on Equity | 14.30% | 13.41% | 11.56% | 11.88% | 14.00% | 13.65% | 14.31% | 13.43% | +155 bps | |
| Net Interest Margin | 2.18% | 1.89% | 1.68% | 1.60% | 2.06% | 2.11% | 2.19% | 2.14% | +55 bps | |
| Efficiency Ratio | 54.43% | 54.07% | 57.37% | 54.82% | 50.60% | 45.92% | 44.92% | 46.42% | -840 bps | |
| Non-Interest Burden | 0.94% | 0.80% | 0.79% | 0.70% | 0.83% | 0.69% | 0.68% | 0.68% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 90.49% | 90.79% | 97.86% | 83.22% | 55.28% | 31.40% | 11.64% | 0.21% | -8,301 bps | |
| Loan Growth (YoY) | 32.60% | 38.22% | 60.09% | 46.69% | 44.03% | 39.83% | 17.32% | 12.03% | -3,466 bps | |
| Deposit Growth (YoY) | 100.59% | 93.91% | 100.57% | 85.06% | 59.32% | 30.19% | 4.10% | -7.93% | -9,299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.16% | 0.19% | 0.13% | 0.11% | 0.13% | 0.11% | 0.19% | +6 bps | |
| Net Charge-Offs / Loans | 0.76% | 0.40% | 0.24% | 0.17% | 0.05% | 0.08% | 0.08% | 0.10% | -7 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.20% | 6.96% | 7.30% | 7.24% | 7.09% | 7.55% | 7.91% | 7.96% | +72 bps | |
| Total Risk-Based Capital | 13.56% | 14.26% | 15.21% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.55% | 37.76% | 38.71% | 37.79% | 37.56% | 40.56% | 43.62% | 45.98% | +819 bps | |
| Liquid Assets / Assets | 29.35% | 37.22% | 43.74% | 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 | n/a | n/a | n/a |