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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | -0.20% | 11.00% | 0.70% | 8.57% | 0.90% | -4.66% | 0.27% | -44 bps | |
| Return on Equity | 3.70% | -1.94% | 99.99% | 5.71% | 66.51% | 6.55% | -34.86% | 2.10% | -362 bps | |
| Net Interest Margin | 3.41% | 3.39% | 3.67% | 4.05% | 3.72% | 3.73% | 4.08% | 3.73% | -32 bps | |
| Efficiency Ratio | 89.15% | 105.85% | 91.96% | 74.36% | 79.02% | 75.72% | 96.99% | 87.05% | +1,269 bps | |
| Non-Interest Burden | 3.03% | 3.59% | 3.33% | 2.90% | 2.78% | 2.68% | 3.85% | 3.13% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.82% | 30.16% | 19.16% | 12.75% | 21.93% | 9.71% | 8.12% | 8.58% | -417 bps | |
| Loan Growth (YoY) | 21.75% | 29.28% | 17.30% | 19.32% | 20.31% | 15.82% | 12.72% | 7.00% | -1,232 bps | |
| Deposit Growth (YoY) | 17.18% | 32.95% | 17.65% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.27% | -0.05% | -0.07% | -1.11% | -0.04% | -0.04% | -0.04% | -0.04% | +107 bps | |
| Allowance / Loans | 1.55% | 1.47% | 1.44% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.23% | 10.31% | 10.21% | 10.15% | 9.89% | 9.65% | 9.86% | -36 bps | |
| Total Risk-Based Capital | 14.31% | 13.69% | 13.46% | 12.76% | 12.73% | 12.63% | 12.72% | 12.66% | -10 bps | |
| Equity / Assets | 10.71% | 9.65% | 12.34% | 12.18% | 13.54% | 13.87% | 12.87% | 12.44% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.27% | 88.50% | 93.79% | 97.85% | 95.00% | 97.98% | 98.38% | 96.76% | -109 bps | |
| Liquid Assets / Assets | 9.33% | 13.48% | 8.86% | 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 | n/a | n/a | n/a |