Fremont, CA · Cert 57989
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.
Fremont, CA · Cert 57989
FDIC · 2 branches
Q3 2015
Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #56 of 75 inst. · $0.1B of $310.7B
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 | 0.23% | 0.27% | 5.31% | 3.54% | 2.67% | 0.32% | 0.34% | 0.42% | -311 bps | |
| Return on Equity | 1.76% | 2.03% | 37.54% | 24.67% | 18.52% | 2.34% | 2.54% | 3.19% | -2,148 bps | |
| Net Interest Margin | 3.92% | 3.80% | 3.84% | 3.67% | 3.59% | 4.01% | 3.89% | 3.85% | +18 bps | |
| Efficiency Ratio | 94.14% | 93.21% | 91.59% | 92.86% | 95.89% | 86.36% | 86.31% | 83.41% | -945 bps | |
| Non-Interest Burden | 3.67% | 3.52% | 3.49% | 3.39% | 3.43% | 3.37% | 3.28% | 3.13% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.05% | 5.77% | 3.80% | 11.12% | 9.30% | 25.86% | 33.35% | 18.75% | +763 bps | |
| Loan Growth (YoY) | -5.31% | -1.63% | 4.65% | 16.19% | 13.41% | 22.65% | 34.57% | 26.30% | +1,010 bps | |
| Deposit Growth (YoY) | -7.44% | 2.03% | -3.53% | 7.13% | 9.31% | 29.38% | 41.27% | 21.38% | +1,424 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 | 0.15% | 0.00% | -0.01% | -0.01% | -0.01% | -0.02% | -0.02% | -0.02% | -1 bps | |
| Allowance / Loans | 2.11% | 2.03% | 1.96% | 1.84% | 1.88% | 1.67% | 1.47% | 1.48% | -37 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 | 12.56% | 11.90% | 11.22% | n/a | |
| Total Risk-Based Capital | 18.18% | 18.21% | 17.60% | 16.49% | 17.15% | 15.34% | 13.83% | 14.15% | -234 bps | |
| Equity / Assets | 13.18% | 13.27% | 15.98% | 14.85% | 14.86% | 12.95% | 12.29% | 12.97% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.59% | 88.59% | 95.57% | 90.66% | 88.80% | 83.98% | 91.04% | 94.33% | +368 bps | |
| Liquid Assets / Assets | 12.98% | 12.70% | 6.33% | 9.11% | 10.74% | 15.48% | 6.90% | 9.11% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |