Sacramento, CA · Cert 3502
FDIC · 3 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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 3502
FDIC · 3 branches
Q4 2018
Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2018 SOD (annual) · 0.4% share · #25 of 38 inst. · $0.2B of $53.1B
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.61% | 0.61% | 0.37% | 0.66% | 0.71% | 0.71% | 0.64% | +28 bps | |
| Return on Equity | 6.14% | 6.29% | 6.14% | 3.75% | 6.94% | 7.58% | 7.65% | 6.82% | +307 bps | |
| Net Interest Margin | 2.44% | 2.44% | 2.45% | 2.46% | 2.46% | 2.48% | 2.50% | 2.53% | +7 bps | |
| Efficiency Ratio | 66.52% | 64.60% | 64.88% | 65.39% | 65.36% | 62.35% | 62.21% | 65.61% | +22 bps | |
| Non-Interest Burden | 1.61% | 1.55% | 1.57% | 1.59% | 1.59% | 1.52% | 1.53% | 1.64% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 0.87% | -3.38% | 1.25% | -0.45% | 0.53% | 1.73% | -3.29% | -454 bps | |
| Loan Growth (YoY) | 18.25% | 19.30% | 10.48% | 8.91% | 8.64% | 5.60% | 8.46% | 1.58% | -733 bps | |
| Deposit Growth (YoY) | 4.47% | -4.10% | -4.64% | 1.52% | -3.55% | 6.95% | 3.87% | -1.55% | -307 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 | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.41% | 1.50% | 1.44% | 1.43% | 1.40% | 1.45% | 1.48% | +4 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 | 10.29% | 10.23% | 10.48% | 10.46% | 10.46% | 10.54% | 10.68% | 10.70% | +24 bps | |
| Total Risk-Based Capital | 25.21% | 25.18% | 26.35% | 24.07% | 24.10% | 23.93% | 24.44% | 23.84% | -23 bps | |
| Equity / Assets | 9.67% | 9.95% | 10.37% | 9.59% | 9.31% | 9.09% | 9.32% | 10.00% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.94% | 46.41% | 43.97% | 44.99% | 47.24% | 45.83% | 45.91% | 46.42% | +143 bps | |
| Liquid Assets / Assets | 2.61% | 2.34% | 2.45% | 2.10% | 2.17% | 3.37% | 3.56% | 3.86% | +176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |