West Sacramento, CA · Cert 58159
FDIC · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
West Sacramento, CA · Cert 58159
FDIC · 3 branches
Q1 2018
Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2017 SOD (annual) · 0.3% share · #27 of 39 inst. · $0.1B of $51.2B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.16% | 1.12% | 1.04% | 1.13% | 1.30% | 1.13% | 1.26% | +23 bps | |
| Return on Equity | 9.96% | 10.17% | 10.18% | 10.59% | 11.37% | 13.04% | 11.38% | 12.49% | +190 bps | |
| Net Interest Margin | 4.20% | 3.96% | 3.69% | 3.82% | 3.86% | 3.81% | 3.71% | 3.82% | -1 bps | |
| Efficiency Ratio | 53.52% | 54.17% | 55.18% | 59.16% | 56.88% | 52.46% | 49.68% | 54.32% | -485 bps | |
| Non-Interest Burden | 2.12% | 2.00% | 1.91% | 2.21% | 2.09% | 1.88% | 1.73% | 2.01% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.59% | 17.61% | 21.47% | 20.41% | 20.97% | 14.81% | 10.58% | 4.98% | -1,542 bps | |
| Loan Growth (YoY) | 21.51% | 21.37% | 22.62% | 16.69% | 20.16% | 17.65% | 13.97% | 12.37% | -432 bps | |
| Deposit Growth (YoY) | 15.50% | 20.59% | 27.16% | 15.89% | 6.54% | 10.27% | 10.88% | 4.34% | -1,155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.84% | +84 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.17% | 1.18% | 1.15% | 1.06% | 1.02% | 1.03% | 1.04% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.95% | 10.56% | 9.93% | 10.15% | 10.45% | 10.27% | 9.89% | 10.28% | +13 bps | |
| Total Risk-Based Capital | 14.24% | 13.55% | 13.23% | 13.24% | 13.92% | 13.70% | 13.98% | 14.60% | +135 bps | |
| Equity / Assets | 11.03% | 10.41% | 9.60% | 9.95% | 10.26% | 10.06% | 9.81% | 10.39% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.65% | 84.81% | 82.42% | 90.14% | 96.59% | 90.49% | 84.72% | 97.07% | +694 bps | |
| Liquid Assets / Assets | 3.97% | 5.39% | 3.98% | 3.19% | 0.70% | 0.65% | 4.84% | 0.82% | -237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |