San Mateo, CA · Cert 57447
FDIC · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 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.
San Mateo, CA · Cert 57447
FDIC · 3 branches
Q1 2018
Market Position · San Francisco-Oakland-Hayward, CA · 2017 SOD (annual) · 0.1% share · #40 of 71 inst. · $0.3B of $357.2B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.30% | 1.08% | 0.81% | 1.28% | 1.26% | 1.48% | -0.16% | -96 bps | |
| Return on Equity | 3.00% | 3.57% | 12.57% | 8.98% | 14.00% | 13.75% | 15.93% | -1.61% | -1,059 bps | |
| Net Interest Margin | 3.13% | 3.08% | 3.06% | 3.47% | 3.37% | 3.18% | 2.95% | 3.18% | -29 bps | |
| Efficiency Ratio | 88.12% | 87.20% | 85.31% | 71.96% | 66.09% | 69.92% | 74.23% | 106.44% | +3,448 bps | |
| Non-Interest Burden | 2.74% | 2.67% | 2.60% | 2.47% | 2.02% | 2.10% | 2.12% | 3.39% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 2.92% | 7.69% | 4.32% | 3.15% | 8.00% | 7.82% | 3.55% | -77 bps | |
| Loan Growth (YoY) | 6.84% | 0.50% | 2.22% | 3.49% | 6.04% | 8.13% | 6.40% | 2.60% | -88 bps | |
| Deposit Growth (YoY) | 1.47% | 2.28% | 7.33% | 0.70% | 0.94% | 7.23% | 6.71% | 5.92% | +522 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.18% | -0.15% | -3.22% | -0.89% | -0.91% | -0.69% | -0.06% | +316 bps | |
| Allowance / Loans | 2.55% | 2.56% | 1.73% | 2.53% | 1.55% | 1.26% | 1.27% | 1.33% | -120 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.35% | 8.19% | 8.86% | 9.34% | 9.85% | 9.60% | 9.37% | 10.10% | +76 bps | |
| Total Risk-Based Capital | 13.14% | 12.97% | 13.65% | 14.22% | 14.42% | 14.21% | 14.77% | 14.95% | +73 bps | |
| Equity / Assets | 8.51% | 8.33% | 8.90% | 9.06% | 9.51% | 9.11% | 9.73% | 9.82% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.42% | 74.34% | 77.50% | 79.71% | 79.24% | 74.96% | 77.28% | 77.22% | -250 bps | |
| Liquid Assets / Assets | 9.36% | 6.88% | 3.95% | 5.15% | 4.44% | 9.08% | 8.39% | 8.05% | +290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |