Oakland, CA · Cert 34210
FDIC · 4 branches
Q3 2024
Market Position · San Francisco-Oakland-Fremont, CA · 2024 SOD (annual) · 0.2% share · #30 of 69 inst. · $0.7B of $440.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.83% | 0.76% | 1.21% | 0.57% | 0.72% | 0.96% | 0.83% | -38 bps | |
| Return on Equity | 6.01% | 4.47% | 4.18% | 6.81% | 3.05% | 3.66% | 4.96% | 4.27% | -254 bps | |
| Net Interest Margin | 3.54% | 3.11% | 3.09% | 3.14% | 3.20% | 3.42% | 3.87% | 3.57% | +43 bps | |
| Efficiency Ratio | 56.97% | 62.91% | 67.18% | 54.89% | 79.15% | 68.27% | 65.86% | 63.53% | +864 bps | |
| Non-Interest Burden | 1.98% | 1.93% | 2.06% | 1.17% | 2.51% | 2.23% | 2.51% | 2.20% | +103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.38% | 27.47% | 19.64% | 5.07% | -0.11% | -2.66% | -5.04% | -5.35% | -1,043 bps | |
| Loan Growth (YoY) | 22.06% | 27.83% | 15.18% | 14.12% | 2.85% | 3.87% | 3.14% | 3.62% | -1,050 bps | |
| Deposit Growth (YoY) | 15.79% | -5.32% | 7.14% | -10.24% | -10.14% | 1.68% | -2.13% | -2.47% | +777 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 1.13% | 1.06% | 1.06% | 1.01% | 0.00% | 0.11% | -95 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.09% | -0.02% | 0.33% | 0.03% | 0.01% | 0.00% | -0.01% | -34 bps | |
| Allowance / Loans | 1.05% | 0.95% | 0.92% | 0.93% | 0.92% | 0.94% | 0.94% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | 23.2x | 44.7x | 0.8x | 0.9x | 0.9x | 0.9x | n/a | 9.4x | +8.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.26% | 19.54% | 19.03% | 18.61% | 18.81% | 20.20% | 19.86% | 19.83% | +122 bps | |
| Total Risk-Based Capital | 26.10% | 26.85% | 28.19% | 27.30% | 28.45% | 26.11% | 26.08% | 25.48% | -182 bps | |
| Equity / Assets | 18.82% | 18.51% | 17.65% | 17.76% | 19.61% | 19.57% | 19.27% | 19.51% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.04% | 100.82% | 94.32% | 94.50% | 106.49% | 102.99% | 99.39% | 100.41% | +590 bps | |
| Liquid Assets / Assets | 7.26% | 11.11% | 15.51% | 16.93% | 8.68% | 12.48% | 15.05% | 16.45% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |