Visalia, CA · Cert 34156
FDIC · 4 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Visalia, CA · Cert 34156
FDIC · 4 branches
Q4 2016
Market Position · Visalia-Porterville, CA · 2016 SOD (annual) · 7.1% share · #5 of 15 inst. · $0.3B of $4.6B
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.95% | 1.09% | 1.20% | 1.20% | 1.16% | 1.13% | 1.10% | -11 bps | |
| Return on Equity | 8.59% | 8.81% | 9.98% | 11.01% | 10.72% | 10.25% | 9.95% | 9.60% | -141 bps | |
| Net Interest Margin | 3.45% | 3.66% | 3.77% | 3.89% | 3.83% | 3.79% | 3.75% | 3.68% | -21 bps | |
| Efficiency Ratio | 65.28% | 65.14% | 61.86% | 60.32% | 68.69% | 66.93% | 68.31% | 65.87% | +555 bps | |
| Non-Interest Burden | 2.15% | 2.27% | 2.15% | 2.17% | 2.53% | 2.43% | 2.45% | 2.30% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.65% | 5.86% | 2.13% | 3.21% | -1.64% | 3.32% | 6.97% | 0.15% | -307 bps | |
| Loan Growth (YoY) | 6.39% | 9.41% | 12.01% | 12.71% | 14.52% | 10.74% | 7.12% | 5.58% | -713 bps | |
| Deposit Growth (YoY) | 3.98% | 7.23% | 2.70% | -1.96% | -2.71% | 2.61% | 6.77% | 4.23% | +619 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 | -0.02% | -0.06% | -0.02% | -0.14% | -0.75% | -0.40% | -0.36% | -0.27% | -13 bps | |
| Allowance / Loans | 1.26% | 1.24% | 1.16% | 1.11% | 1.11% | 1.12% | 1.10% | 1.08% | -3 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 | 10.38% | 10.78% | 11.13% | 11.20% | 11.35% | 11.38% | 11.52% | 11.50% | +30 bps | |
| Total Risk-Based Capital | 16.40% | 15.80% | 15.54% | 15.30% | 15.70% | 15.98% | 16.14% | 16.08% | +78 bps | |
| Equity / Assets | 10.65% | 11.00% | 11.28% | 11.01% | 11.44% | 11.59% | 11.39% | 11.71% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.24% | 77.39% | 82.18% | 85.61% | 83.85% | 83.52% | 82.46% | 86.72% | +111 bps | |
| Liquid Assets / Assets | 11.02% | 4.15% | 2.07% | 3.56% | 2.82% | 3.88% | 8.13% | 4.85% | +128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |