Pleasanton, CA · Cert 34689
FDIC · 3 branches
Q4 2014
Market Position · San Francisco-Oakland-Hayward, CA · 2014 SOD (annual) · 0.0% share · #59 of 75 inst. · $0.1B of $307.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.80% | -0.08% | -0.22% | 1.15% | -0.76% | -0.09% | -1.92% | -170 bps | |
| Return on Equity | 1.30% | -7.41% | -0.73% | -1.98% | 9.95% | -6.47% | -0.73% | -15.81% | -1,383 bps | |
| Net Interest Margin | 3.53% | 3.67% | 3.82% | 3.74% | 4.48% | 3.43% | 3.70% | 3.69% | -5 bps | |
| Efficiency Ratio | 89.36% | 114.67% | 101.70% | 104.16% | 79.11% | 118.04% | 101.73% | 141.52% | +3,736 bps | |
| Non-Interest Burden | 3.02% | 4.33% | 3.90% | 3.95% | 3.36% | 4.19% | 3.79% | 5.59% | +164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.78% | -14.86% | -13.28% | -14.54% | -11.21% | -6.34% | -11.16% | -8.71% | +583 bps | |
| Loan Growth (YoY) | -15.90% | -14.30% | -11.07% | -22.07% | -21.20% | -19.88% | -20.44% | -14.99% | +708 bps | |
| Deposit Growth (YoY) | -10.33% | -12.61% | -11.62% | -13.70% | -12.65% | -7.47% | -13.02% | -9.71% | +400 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 | 0.04% | 1.02% | 2.46% | -0.29% | -0.51% | -0.13% | 1.70% | 0.50% | +79 bps | |
| Allowance / Loans | 4.94% | 4.92% | 4.38% | 5.01% | 5.48% | 5.63% | 5.33% | 5.50% | +49 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.94% | 15.40% | 15.89% | 17.55% | 18.47% | 18.06% | 18.71% | 19.21% | +166 bps | |
| Equity / Assets | 10.46% | 11.09% | 10.77% | 11.38% | 11.65% | 11.86% | 12.20% | 12.13% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.37% | 83.01% | 79.81% | 75.60% | 70.69% | 71.88% | 73.01% | 71.17% | -443 bps | |
| Liquid Assets / Assets | 11.65% | 5.18% | 6.39% | 9.24% | 13.16% | 9.11% | 11.55% | 14.35% | +511 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |