San Luis Obispo, CA · Cert 34381
FDIC · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
San Luis Obispo, CA · Cert 34381
FDIC · 3 branches
Q2 2016
Market Position · San Luis Obispo-Paso Robles-Arroyo Grande, CA · 2016 SOD (annual) · 2.1% share · #9 of 13 inst. · $0.1B of $6.1B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.41% | 0.30% | 0.40% | 5.96% | 4.49% | 0.46% | 0.47% | +7 bps | |
| Return on Equity | 0.79% | 4.92% | 3.14% | 4.17% | 57.09% | 41.15% | 3.62% | 3.69% | -49 bps | |
| Net Interest Margin | 3.25% | 3.22% | 3.59% | 3.79% | 3.77% | 3.53% | 4.02% | 3.90% | +11 bps | |
| Efficiency Ratio | 98.40% | 100.34% | 95.67% | 93.82% | 65.55% | 69.22% | 81.14% | 80.91% | -1,291 bps | |
| Non-Interest Burden | 3.19% | 3.23% | 3.41% | 3.52% | 1.69% | 1.94% | 3.12% | 3.01% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.35% | 6.79% | 3.37% | 5.77% | 12.19% | 13.40% | 12.12% | 15.12% | +934 bps | |
| Loan Growth (YoY) | 6.09% | 13.13% | 6.34% | 18.31% | 24.12% | 25.56% | 23.86% | 8.86% | -945 bps | |
| Deposit Growth (YoY) | 0.88% | 3.53% | -0.25% | 5.53% | 7.95% | 9.73% | 8.10% | 11.37% | +584 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 | -0.97% | -0.84% | -0.15% | -0.22% | -0.20% | -0.18% | -0.43% | -0.36% | -15 bps | |
| Allowance / Loans | 2.93% | 2.34% | 2.30% | 2.09% | 1.51% | 1.51% | 1.59% | 1.66% | -43 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 | 9.59% | 9.70% | 11.20% | 10.34% | 10.90% | 10.83% | +113 bps | |
| Total Risk-Based Capital | 15.92% | 15.29% | 14.30% | 13.19% | 14.68% | 14.03% | 14.26% | 14.42% | +123 bps | |
| Equity / Assets | 9.15% | 9.60% | 9.71% | 9.62% | 12.58% | 12.60% | 12.96% | 12.63% | +301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.00% | 64.67% | 66.81% | 75.44% | 72.43% | 74.00% | 76.56% | 73.73% | -170 bps | |
| Liquid Assets / Assets | 25.15% | 20.77% | 19.24% | 9.51% | 15.72% | 13.41% | 11.53% | 14.63% | +512 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |