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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 1.41% | 0.30% | 0.50% | 16.53% | 0.37% | 0.46% | 0.48% | -2 bps | |
| Return on Equity | 2.54% | 15.05% | 3.14% | 5.20% | 147.86% | 2.91% | 3.62% | 3.75% | -144 bps | |
| Net Interest Margin | 3.44% | 3.45% | 3.59% | 4.00% | 3.97% | 3.83% | 4.02% | 3.89% | -11 bps | |
| Efficiency Ratio | 94.44% | 106.35% | 95.67% | 92.01% | 40.34% | 83.89% | 81.14% | 80.68% | -1,132 bps | |
| Non-Interest Burden | 3.20% | 3.68% | 3.41% | 3.65% | -1.59% | 3.10% | 3.12% | 2.98% | -67 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 | -1.18% | -0.48% | -0.15% | -0.30% | -0.18% | -0.13% | -0.43% | -0.30% | 0 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 |