San Ramon, CA · Cert 58004
FDIC · 2 branches
Q1 2018
Market Position · San Francisco-Oakland-Hayward, CA · 2017 SOD (annual) · 0.0% share · #54 of 71 inst. · $0.1B of $357.2B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 4.71% | 3.41% | 1.35% | 0.27% | -44 bps | |
| Return on Equity | 5.71% | 37.06% | 26.24% | 10.42% | 2.10% | -362 bps | |
| Net Interest Margin | 4.05% | 3.83% | 3.66% | 3.69% | 3.73% | -32 bps | |
| Efficiency Ratio | 74.36% | 76.63% | 76.32% | 81.45% | 87.05% | +1,269 bps | |
| Non-Interest Burden | 2.90% | 2.78% | 2.65% | 2.92% | 3.13% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.75% | 21.93% | 9.71% | 8.12% | 8.58% | -417 bps | |
| Loan Growth (YoY) | 19.32% | 20.31% | 15.82% | 12.72% | 7.00% | -1,232 bps | |
| Deposit Growth (YoY) | 10.57% | 18.10% | 4.61% | 7.45% | 8.20% | -237 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.11% | -0.56% | -0.38% | -0.29% | -0.04% | +107 bps | |
| Allowance / Loans | 1.62% | 1.59% | 1.57% | 1.57% | 1.55% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 10.15% | 9.89% | 9.65% | 9.86% | -36 bps | |
| Total Risk-Based Capital | 12.76% | 12.73% | 12.63% | 12.72% | 12.66% | -10 bps | |
| Equity / Assets | 12.18% | 13.54% | 13.87% | 12.87% | 12.44% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.85% | 95.00% | 97.98% | 98.38% | 96.76% | -109 bps | |
| Liquid Assets / Assets | 5.83% | 8.24% | 6.11% | 6.14% | 7.22% | +139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |