Oakland, CA · Cert 33114
FDIC · 8 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oakland, CA · Cert 33114
FDIC · 8 branches
Q1 2017
Market Position · San Francisco-Oakland-Hayward, CA · 2016 SOD (annual) · 0.1% share · #47 of 73 inst. · $0.2B of $335.8B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.41% | 0.54% | 0.92% | 0.99% | 0.86% | 0.90% | 1.05% | +13 bps | |
| Return on Equity | 5.40% | 4.40% | 5.74% | 9.84% | 10.76% | 9.53% | 10.04% | 11.99% | +215 bps | |
| Net Interest Margin | 3.40% | 3.40% | 3.34% | 3.95% | 3.72% | 3.52% | 3.41% | 3.79% | -16 bps | |
| Efficiency Ratio | 80.10% | 77.94% | 74.94% | 65.44% | 67.31% | 69.48% | 67.39% | 61.33% | -411 bps | |
| Non-Interest Burden | 2.60% | 2.52% | 2.34% | 2.37% | 2.32% | 2.28% | 2.09% | 2.06% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.97% | 9.06% | 7.90% | 7.70% | 15.15% | 16.87% | 18.27% | 15.55% | +785 bps | |
| Loan Growth (YoY) | 10.97% | 12.84% | 11.35% | 17.26% | 15.58% | 25.36% | 27.41% | 17.50% | +23 bps | |
| Deposit Growth (YoY) | 8.33% | 9.71% | 8.22% | 8.05% | 16.36% | 18.05% | 20.08% | 17.10% | +905 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 | 0.00% | 1.36% | 0.99% | 0.28% | -0.29% | -0.17% | -0.09% | 0.00% | -28 bps | |
| Allowance / Loans | 1.95% | 1.30% | 1.31% | 1.19% | 1.19% | 1.08% | 1.01% | 1.01% | -17 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 | 9.15% | 9.03% | 8.88% | 9.20% | 8.97% | 8.83% | 8.68% | 8.84% | -36 bps | |
| Total Risk-Based Capital | 15.70% | 15.30% | 15.31% | 14.99% | 15.10% | 14.16% | 14.31% | 14.80% | -19 bps | |
| Equity / Assets | 9.35% | 9.26% | 9.32% | 9.32% | 8.86% | 8.69% | 8.63% | 8.87% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.83% | 71.20% | 71.40% | 75.08% | 71.35% | 75.61% | 75.76% | 75.34% | +26 bps | |
| Liquid Assets / Assets | 20.74% | 20.43% | 18.02% | 18.30% | 22.57% | 19.64% | 19.80% | 19.98% | +168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |