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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.27% | 10.33% | 0.20% | 0.22% | 0.32% | 0.34% | 0.57% | +37 bps | |
| Return on Equity | 2.77% | 2.03% | 70.66% | 1.27% | 1.49% | 2.34% | 2.73% | 4.50% | +323 bps | |
| Net Interest Margin | 4.08% | 3.80% | 3.90% | 3.84% | 3.75% | 4.01% | 4.02% | 4.31% | +47 bps | |
| Efficiency Ratio | 91.34% | 93.21% | 90.02% | 95.29% | 104.53% | 86.36% | 86.27% | 78.54% | -1,675 bps | |
| Non-Interest Burden | 3.70% | 3.52% | 3.48% | 3.65% | 3.93% | 3.37% | 3.40% | 3.29% | -36 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 | 0.49% | 0.00% | -0.03% | 0.00% | -0.02% | -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 |