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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | -0.32% | -0.24% | -0.24% | 1.15% | 0.20% | 0.11% | -0.38% | -14 bps | |
| Return on Equity | 1.30% | -3.04% | -2.28% | -2.20% | 9.95% | 1.72% | 0.90% | -3.22% | -101 bps | |
| Net Interest Margin | 3.53% | 3.73% | 3.79% | 3.80% | 4.48% | 4.03% | 3.94% | 4.03% | +22 bps | |
| Efficiency Ratio | 89.36% | 101.28% | 101.41% | 102.13% | 79.11% | 95.90% | 97.85% | 107.82% | +569 bps | |
| Non-Interest Burden | 3.02% | 3.79% | 3.86% | 3.91% | 3.36% | 3.83% | 3.83% | 4.42% | +51 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% | 0.53% | 1.18% | 0.92% | -0.51% | -0.32% | 0.35% | 0.40% | -53 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 |