Napa, CA · Cert 58138
FDIC · 2 branches
Q3 2017
Market Position · Napa, CA · 2017 SOD (annual) · 5.5% share · #8 of 16 inst. · $0.2B of $3.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.80% | 0.76% | 0.84% | 0.57% | -18 bps | |
| Return on Equity | 6.83% | 7.38% | 7.18% | 7.78% | 5.21% | -161 bps | |
| Net Interest Margin | 3.22% | 3.27% | 3.31% | 3.43% | 3.40% | +18 bps | |
| Efficiency Ratio | 68.31% | 65.25% | 68.12% | 65.69% | 77.62% | +931 bps | |
| Non-Interest Burden | 2.13% | 2.06% | 2.18% | 2.18% | 2.59% | +46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.05% | 15.27% | 11.00% | 6.22% | 5.34% | -1,271 bps | |
| Loan Growth (YoY) | 3.72% | 6.10% | 5.71% | 8.55% | 9.96% | +624 bps | |
| Deposit Growth (YoY) | 19.03% | 16.66% | 11.88% | 6.57% | 5.61% | -1,343 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.10% | 0.10% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.46% | 1.41% | 1.38% | 1.38% | 1.37% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 14.1x | 14.1x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.03% | 10.76% | 11.04% | 10.99% | 10.93% | -10 bps | |
| Total Risk-Based Capital | 18.11% | 17.51% | 17.45% | 17.56% | 17.64% | -47 bps | |
| Equity / Assets | 11.01% | 10.54% | 10.66% | 11.04% | 10.89% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.66% | 62.13% | 63.20% | 63.97% | 62.11% | +246 bps | |
| Liquid Assets / Assets | 2.06% | 0.75% | 0.00% | 0.00% | 1.96% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |