Santa Clara, CA · Cert 57086
FDIC · 1 branch
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Santa Clara, CA · Cert 57086
FDIC · 1 branch
Q1 2015
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2014 SOD (annual) · 1.4% share · #10 of 49 inst. · $1.4B of $99.8B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.98% | 1.06% | 0.99% | 1.05% | 1.11% | 1.07% | 1.04% | +5 bps | |
| Return on Equity | 7.87% | 9.34% | 10.22% | 9.90% | 10.32% | 10.95% | 10.61% | 10.39% | +49 bps | |
| Net Interest Margin | 4.56% | 4.61% | 4.57% | 4.73% | 4.74% | 4.67% | 4.39% | 4.63% | -10 bps | |
| Efficiency Ratio | 60.95% | 61.72% | 62.06% | 65.21% | 63.15% | 61.23% | 62.36% | 65.96% | +75 bps | |
| Non-Interest Burden | 2.43% | 2.54% | 2.55% | 2.87% | 2.72% | 2.57% | 2.48% | 2.84% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.99% | 18.14% | 19.20% | 19.81% | 11.04% | 19.09% | 12.92% | 16.22% | -359 bps | |
| Loan Growth (YoY) | 17.49% | 15.10% | 18.54% | 19.95% | 18.23% | 20.41% | 21.69% | 18.63% | -132 bps | |
| Deposit Growth (YoY) | 29.45% | 19.29% | 20.29% | 20.79% | 11.13% | 19.48% | 9.93% | 16.46% | -433 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 | 1.11% | 0.66% | 0.38% | -0.08% | 0.14% | 0.27% | 0.20% | -0.08% | 0 bps | |
| Allowance / Loans | 1.92% | 1.93% | 1.88% | 1.83% | 1.82% | 1.73% | 1.60% | 1.56% | -27 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 | 9.94% | n/a | n/a |
| Total Risk-Based Capital | 12.90% | 13.10% | 12.25% | 12.18% | 12.44% | 12.73% | 12.38% | 11.78% | -40 bps | |
| Equity / Assets | 10.22% | 10.31% | 9.88% | 10.16% | 10.43% | 10.02% | 10.05% | 10.06% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.67% | 77.43% | 75.25% | 79.43% | 81.57% | 78.03% | 83.31% | 80.91% | +148 bps | |
| Liquid Assets / Assets | 0.98% | 0.97% | 0.88% | 0.87% | 0.85% | 0.76% | 0.73% | 0.69% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |