San Luis Obispo, CA · Cert 57924
FDIC · 4 branches
Q4 2016
Market Position · San Luis Obispo-Paso Robles-Arroyo Grande, CA · 2016 SOD (annual) · 2.8% share · #8 of 13 inst. · $0.2B of $6.1B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.88% | 0.87% | 0.84% | 0.65% | 0.57% | 0.62% | 0.64% | -20 bps | |
| Return on Equity | 9.00% | 9.60% | 9.53% | 9.25% | 7.08% | 6.21% | 6.75% | 6.99% | -226 bps | |
| Net Interest Margin | 3.78% | 3.73% | 3.55% | 3.45% | 3.60% | 3.70% | 3.59% | 3.51% | +5 bps | |
| Efficiency Ratio | 66.40% | 64.94% | 67.84% | 68.02% | 72.78% | 75.33% | 73.68% | 72.79% | +477 bps | |
| Non-Interest Burden | 2.42% | 2.33% | 2.33% | 2.27% | 2.56% | 2.73% | 2.59% | 2.49% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.64% | 10.51% | 10.06% | 13.84% | 5.52% | 0.93% | 6.74% | 2.46% | -1,137 bps | |
| Loan Growth (YoY) | -6.17% | -13.82% | -17.21% | -6.06% | -7.21% | 12.39% | 22.00% | 7.25% | +1,330 bps | |
| Deposit Growth (YoY) | 9.53% | 11.41% | 10.70% | 8.81% | 5.33% | 0.39% | 6.75% | 7.65% | -116 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | -0.03% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.66% | 1.84% | 1.74% | 1.52% | 1.53% | 1.46% | 1.43% | 1.47% | -5 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 | 9.23% | 9.17% | 8.98% | 9.08% | 9.15% | 9.37% | 9.11% | 9.04% | -4 bps | |
| Total Risk-Based Capital | 15.09% | 16.52% | 17.44% | 16.03% | 16.40% | 15.82% | 15.95% | 16.89% | +86 bps | |
| Equity / Assets | 9.18% | 8.84% | 9.00% | 8.91% | 9.37% | 9.32% | 8.98% | 9.23% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.54% | 55.20% | 51.69% | 58.74% | 57.73% | 61.80% | 59.08% | 58.51% | -22 bps | |
| Liquid Assets / Assets | 32.14% | 42.22% | 46.30% | 42.93% | 40.88% | 37.80% | 40.24% | 41.63% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |