Fresno, CA · Cert 57098
FDIC · 6 branches
Q2 2022
Market Position · Fresno, CA · 2022 SOD (annual) · 3.4% share · #10 of 22 inst. · $0.7B of $21.3B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.46% | 1.12% | 1.21% | 1.32% | 1.20% | -0.40% | 0.27% | -94 bps | |
| Return on Equity | 0.78% | 3.20% | 8.13% | 8.92% | 9.88% | 9.06% | -3.24% | 2.32% | -660 bps | |
| Net Interest Margin | 3.35% | 3.35% | 3.44% | 3.47% | 3.38% | 3.24% | 3.14% | 3.09% | -38 bps | |
| Efficiency Ratio | 59.98% | 55.93% | 55.52% | 51.96% | 50.42% | 54.61% | 67.04% | 62.00% | +1,004 bps | |
| Non-Interest Burden | 1.85% | 1.72% | 1.75% | 1.62% | 1.53% | 1.61% | 1.93% | 1.68% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.34% | 19.20% | 19.49% | 9.20% | 15.74% | 13.73% | 15.33% | 17.08% | +788 bps | |
| Loan Growth (YoY) | 11.71% | 15.03% | 18.05% | 12.25% | 8.43% | 12.66% | 10.46% | 7.71% | -455 bps | |
| Deposit Growth (YoY) | 19.02% | 18.25% | 26.93% | 10.85% | 15.50% | 25.60% | 19.78% | 21.92% | +1,107 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.74% | 0.66% | 0.44% | 0.43% | 0.11% | 0.14% | 0.11% | -33 bps | |
| Net Charge-Offs / Loans | 1.49% | 1.08% | 0.43% | 0.19% | 0.14% | 0.09% | 2.89% | 1.39% | +120 bps | |
| Allowance / Loans | 1.02% | 1.08% | 0.98% | 0.99% | 1.00% | 0.95% | 0.92% | 1.00% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.5x | 2.2x | 2.3x | 8.8x | 6.3x | 8.7x | +6.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.57% | 8.86% | 8.67% | 8.50% | 9.22% | 8.83% | 8.45% | -22 bps | |
| Total Risk-Based Capital | 12.68% | 12.62% | 13.38% | 12.16% | 11.99% | 12.82% | 12.51% | 11.74% | -42 bps | |
| Equity / Assets | 13.64% | 13.71% | 13.85% | 13.27% | 12.60% | 13.19% | 11.82% | 10.23% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.87% | 74.11% | 69.97% | 70.72% | 66.53% | 66.47% | 64.53% | 62.48% | -824 bps | |
| Liquid Assets / Assets | 0.64% | 0.39% | 1.20% | 0.34% | 0.24% | 0.44% | 0.52% | 1.78% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |