Sonora, CA · Cert 57637
FDIC · 2 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.41% | -1.53% | 0.36% | 0.27% | -0.35% | +6 bps | |
| Return on Equity | -5.12% | -20.96% | 5.09% | 3.69% | -4.80% | +32 bps | |
| Net Interest Margin | 3.64% | 3.53% | 3.59% | 3.82% | 3.41% | -23 bps | |
| Efficiency Ratio | 108.37% | 109.14% | 92.14% | 93.94% | 108.20% | -17 bps | |
| Non-Interest Burden | 4.01% | 3.94% | 3.23% | 3.54% | 3.75% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.80% | 8.00% | 5.10% | 10.02% | 9.98% | +1,277 bps | |
| Loan Growth (YoY) | 24.16% | 27.93% | 26.23% | 15.90% | 4.66% | -1,950 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | -1.34% | 0.00% | +3 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 7.23% | 7.41% | 7.00% | n/a | |
| Total Risk-Based Capital | 13.16% | 12.42% | 11.93% | 12.74% | 12.76% | -40 bps | |
| Equity / Assets | 7.92% | 6.74% | 7.56% | 7.23% | 7.17% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.72% | 72.28% | 80.70% | 75.19% | 72.46% | -426 bps | |
| Liquid Assets / Assets | 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 |