Porterville, CA · Cert 25870
FDIC · 6 branches
Q2 2015
Market Position · Visalia-Porterville, CA · 2015 SOD (annual) · 1.3% share · #14 of 15 inst. · $0.1B of $4.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.72% | 0.73% | 0.92% | 0.83% | 0.81% | 0.45% | -0.83% | -175 bps | |
| Return on Equity | 4.71% | 2.99% | 2.99% | 3.69% | 3.28% | 3.13% | 1.67% | -2.98% | -667 bps | |
| Net Interest Margin | 11.49% | 11.58% | 11.58% | 12.03% | 12.37% | 12.40% | 12.12% | 12.80% | +78 bps | |
| Efficiency Ratio | 60.70% | 55.42% | 66.85% | 63.30% | 59.57% | 65.89% | 68.46% | 73.36% | +1,006 bps | |
| Non-Interest Burden | 6.21% | 5.63% | 6.89% | 6.86% | 6.58% | 7.59% | 7.54% | 8.94% | +208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | -1.04% | -1.97% | -4.77% | -5.79% | -3.42% | -4.21% | -4.33% | +44 bps | |
| Loan Growth (YoY) | -5.55% | -2.40% | 0.14% | 3.31% | 4.65% | 4.33% | 4.34% | 2.00% | -131 bps | |
| Deposit Growth (YoY) | -0.33% | -1.96% | -2.89% | -7.15% | -8.43% | -6.04% | -7.24% | -6.81% | +35 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 | 4.78% | 7.55% | 5.58% | 4.12% | 7.01% | 3.32% | 5.28% | 3.69% | -43 bps | |
| Allowance / Loans | 3.96% | 4.14% | 3.98% | 4.17% | 3.85% | 4.05% | 3.99% | 4.45% | +28 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 | n/a | 27.18% | 27.62% | n/a | |
| Total Risk-Based Capital | 33.00% | 33.31% | 32.90% | 32.66% | 32.47% | 32.75% | 34.06% | 33.98% | +132 bps | |
| Equity / Assets | 23.76% | 24.30% | 24.53% | 25.16% | 25.73% | 25.79% | 27.69% | 27.93% | +276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.51% | 93.25% | 96.13% | 101.24% | 104.58% | 103.54% | 108.14% | 110.81% | +957 bps | |
| Liquid Assets / Assets | 21.74% | 21.53% | 20.08% | 17.57% | 15.24% | 16.01% | 13.66% | 12.60% | -497 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |