Santa Rosa, CA · Cert 32178
FDIC · 13 branches
Q4 2023
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2023 SOD (annual) · 0.5% share · #24 of 108 inst. · $3.7B of $695.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.30% | 1.17% | 0.78% | 0.75% | 0.42% | 0.19% | -0.20% | -98 bps | |
| Return on Equity | 12.07% | 11.84% | 11.04% | 7.54% | 7.35% | 4.19% | 1.85% | -1.98% | -952 bps | |
| Net Interest Margin | 2.63% | 2.71% | 2.50% | 2.12% | 1.84% | 1.40% | 1.12% | 0.90% | -122 bps | |
| Efficiency Ratio | 32.58% | 26.53% | 31.73% | 46.16% | 44.91% | 53.60% | 63.41% | 85.34% | +3,918 bps | |
| Non-Interest Burden | 0.85% | 0.70% | 0.78% | 0.96% | 0.81% | 0.74% | 0.70% | 0.93% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 3.77% | 9.72% | 11.08% | 14.36% | 11.01% | 2.68% | 3.23% | -785 bps | |
| Loan Growth (YoY) | 1.51% | 3.01% | 8.05% | 11.36% | 10.33% | 4.27% | -0.40% | -2.58% | -1,394 bps | |
| Deposit Growth (YoY) | 3.85% | 4.78% | 3.55% | 5.24% | 0.65% | 2.87% | -0.72% | -0.16% | -539 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.08% | 0.06% | 0.09% | 0.07% | 0.07% | 0.10% | 0.23% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.05% | +5 bps | |
| Allowance / Loans | 0.52% | 0.54% | 0.53% | 0.52% | 0.51% | 0.54% | 0.58% | 0.63% | +11 bps | |
| Allowance Coverage of NPLs | 14.5x | 7.1x | 9.4x | 5.7x | 7.2x | 7.5x | 6.0x | 2.7x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.35% | 11.31% | 11.06% | 10.74% | 10.73% | 10.33% | 10.60% | 10.88% | +14 bps | |
| Total Risk-Based Capital | 21.33% | 21.10% | 21.17% | 21.07% | 21.42% | 22.34% | 22.81% | 22.52% | +146 bps | |
| Equity / Assets | 11.12% | 10.82% | 10.36% | 10.36% | 10.10% | 10.05% | 10.26% | 10.17% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.80% | 116.25% | 117.33% | 119.32% | 123.64% | 117.83% | 117.71% | 116.42% | -290 bps | |
| Liquid Assets / Assets | 1.99% | 1.14% | 3.10% | 2.27% | 6.16% | 8.31% | 7.10% | 8.68% | +641 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |