Sonora, CA · Cert 57637
FDIC · 2 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Sonora, CA · Cert 57637
FDIC · 2 branches
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24%1 | -0.08% | -0.52% | -0.48% | -0.74% | 0.36% | 0.31% | 0.09% | +57 bps | |
| Return on Equity | 3.09% | -1.13% | -6.77% | -6.23% | -9.94% | 5.09% | 4.39% | 1.32% | +754 bps | |
| Net Interest Margin | 3.03% | 3.23% | 3.39% | 3.42% | 3.34% | 3.59% | 3.73% | 3.52% | +10 bps | |
| Efficiency Ratio | 108.13% | 102.20% | 110.35% | 109.65% | 109.51% | 92.14% | 93.06% | 97.72% | -1,192 bps | |
| Non-Interest Burden | 3.34% | 3.31% | 3.81% | 3.82% | 3.73% | 3.23% | 3.41% | 3.43% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | -2.29% | 0.80% | -2.80% | 8.00% | 5.10% | 10.02% | 9.98% | +1,277 bps | |
| Loan Growth (YoY) | -2.67% | 5.12% | 12.37% | 24.16% | 27.93% | 26.23% | 15.90% | 4.66% | -1,950 bps | |
| Deposit Growth (YoY) | -1.57% | -1.43% | 1.58% | -2.89% | 8.71% | 5.40% | 10.76% | 10.82% | +1,370 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 | 0.40% | -0.03% | -0.03% | -0.03% | -0.02% | -0.02% | -0.68% | -0.47% | -45 bps | |
| Allowance / Loans | 2.80% | 2.77% | 2.59% | 2.44% | 2.22% | 2.22% | 2.59% | 2.69% | +25 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 | 7.23% | 7.41% | 7.00% | n/a | |
| Total Risk-Based Capital | 16.33% | 15.94% | 14.47% | 13.16% | 12.42% | 11.93% | 12.74% | 12.76% | -40 bps | |
| Equity / Assets | 7.07% | 7.90% | 7.89% | 7.92% | 6.74% | 7.56% | 7.23% | 7.17% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.42% | 67.39% | 71.86% | 76.72% | 72.28% | 80.70% | 75.19% | 72.46% | -426 bps | |
| Liquid Assets / Assets | 18.89% | 12.80% | 14.27% | 13.87% | 29.32% | 22.83% | 28.84% | 30.88% | +1,701 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |