Sacramento, CA · Cert 34713
FDIC · 4 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Sacramento, CA · Cert 34713
FDIC · 4 branches
Q4 2014
Market Position · Sacramento-Roseville-Arden-Arcade, CA · 2014 SOD (annual) · 0.9% share · #15 of 42 inst. · $0.4B of $42.3B
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 | 0.53%1 | 0.67% | 0.70% | 0.69% | 0.59% | 0.59% | 0.68% | 0.74% | +5 bps | |
| Return on Equity | 5.51% | 7.18% | 7.53% | 7.43% | 6.29% | 6.21% | 7.14% | 7.75% | +32 bps | |
| Net Interest Margin | 3.08% | 3.08% | 3.15% | 3.19% | 3.19% | 3.20% | 3.23% | 3.13% | -6 bps | |
| Efficiency Ratio | 90.27% | 80.11% | 76.46% | 75.11% | 74.50% | 74.67% | 73.51% | 73.85% | -125 bps | |
| Non-Interest Burden | 2.79% | 2.46% | 2.39% | 2.38% | 2.34% | 2.36% | 2.35% | 2.27% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.50% | 13.46% | 5.84% | 3.71% | 0.97% | 0.27% | 4.72% | 1.70% | -201 bps | |
| Loan Growth (YoY) | 15.28% | 21.23% | 15.84% | 4.96% | 1.97% | 2.25% | 0.73% | -1.49% | -645 bps | |
| Deposit Growth (YoY) | 7.62% | 2.73% | -2.51% | -5.87% | -4.23% | 1.90% | 8.51% | 10.36% | +1,622 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 | -0.01% | 0.03% | 0.00% | 0.06% | -0.02% | -0.07% | -0.07% | -0.25% | -31 bps | |
| Allowance / Loans | 1.54% | 1.53% | 1.53% | 1.46% | 1.46% | 1.49% | 1.36% | 1.31% | -15 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 | 14.49% | 14.28% | 14.63% | 14.83% | 14.87% | 14.93% | 15.03% | 15.30% | +47 bps | |
| Equity / Assets | 9.38% | 8.89% | 9.08% | 9.26% | 9.36% | 9.67% | 9.64% | 9.90% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.45% | 72.03% | 71.83% | 74.76% | 75.01% | 72.28% | 66.68% | 66.74% | -802 bps | |
| Liquid Assets / Assets | 1.77% | 0.81% | 0.59% | 11.55% | 10.71% | 10.82% | 11.96% | 13.89% | +233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |