Riverside, CA · Cert 57964
FDIC · 5 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Riverside, CA · Cert 57964
FDIC · 5 branches
Q4 2015
Market Position · Riverside-San Bernardino-Ontario, CA · 2015 SOD (annual) · 1.3% share · #16 of 47 inst. · $0.5B of $42.6B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.66% | 0.67% | 0.71% | 0.58% | 0.74% | 0.79% | 0.79% | +8 bps | |
| Return on Equity | 7.72% | 7.12% | 7.23% | 7.60% | 6.05% | 7.84% | 8.52% | 8.62% | +102 bps | |
| Net Interest Margin | 3.61% | 3.59% | 3.54% | 3.51% | 3.49% | 3.46% | 3.28% | 3.22% | -30 bps | |
| Efficiency Ratio | 66.12% | 67.10% | 66.96% | 66.33% | 68.05% | 64.50% | 63.59% | 63.82% | -251 bps | |
| Non-Interest Burden | 2.18% | 2.22% | 2.20% | 2.17% | 2.24% | 2.04% | 1.90% | 1.89% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.39% | 19.08% | 11.65% | 11.11% | 10.70% | 12.72% | 21.11% | 15.56% | +445 bps | |
| Loan Growth (YoY) | 19.33% | 21.65% | 23.49% | 15.82% | 16.80% | 19.75% | 16.24% | 10.70% | -511 bps | |
| Deposit Growth (YoY) | 11.45% | 12.56% | 16.10% | 17.91% | 20.81% | 23.12% | 26.44% | 18.59% | +67 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 | -0.05% | 0.16% | 0.06% | 0.03% | 0.12% | 0.04% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.57% | 1.59% | 1.58% | 1.60% | 1.54% | 1.55% | 1.55% | 1.59% | 0 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 | 9.82% | 9.55% | 8.90% | 8.66% | n/a | |
| Total Risk-Based Capital | 13.80% | 14.05% | 13.79% | 13.57% | 13.01% | 13.04% | 12.70% | 13.03% | -54 bps | |
| Equity / Assets | 9.20% | 9.38% | 9.38% | 9.64% | 9.53% | 9.23% | 8.75% | 9.00% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.02% | 82.60% | 78.54% | 78.77% | 80.26% | 80.33% | 72.20% | 73.53% | -524 bps | |
| Liquid Assets / Assets | 3.22% | 4.59% | 5.93% | 6.06% | 4.77% | 5.42% | 3.65% | 3.82% | -223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |