Roseville, CA · Cert 58191
FDIC · 3 branches
Q3 2017
Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2017 SOD (annual) · 0.7% share · #16 of 39 inst. · $0.4B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.45% | 0.46% | 0.49% | 0.48% | 0.56% | 0.65% | 0.70% | +21 bps | |
| Return on Equity | 5.02% | 4.40% | 4.68% | 5.13% | 5.13% | 6.50% | 7.57% | 8.16% | +303 bps | |
| Net Interest Margin | 3.11% | 3.02% | 2.81% | 2.73% | 2.64% | 3.10% | 3.17% | 3.06% | +33 bps | |
| Efficiency Ratio | 75.32% | 77.64% | 76.37% | 74.89% | 73.44% | 66.23% | 63.42% | 61.63% | -1,325 bps | |
| Non-Interest Burden | 2.27% | 2.30% | 2.10% | 2.01% | 1.90% | 2.00% | 1.96% | 1.84% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.67% | 29.92% | 36.81% | 44.02% | 35.83% | 25.19% | 23.15% | 17.06% | -2,696 bps | |
| Loan Growth (YoY) | 11.54% | 14.06% | 15.41% | 21.43% | 27.25% | 32.93% | 23.66% | 20.96% | -47 bps | |
| Deposit Growth (YoY) | 13.97% | 32.41% | 38.57% | 46.27% | 39.04% | 26.67% | 24.11% | 17.28% | -2,899 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.40% | 0.12% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.00% | -0.01% | -0.01% | -0.01% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.67% | 1.67% | 1.54% | 1.46% | 1.43% | 1.40% | 1.41% | 1.36% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 3.5x | 12.1x | 11.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 10.52% | 9.59% | 9.14% | 9.25% | 9.21% | 9.22% | 8.86% | -28 bps | |
| Total Risk-Based Capital | 15.52% | 16.13% | 15.25% | 14.94% | 14.79% | 14.39% | 14.77% | 14.49% | -45 bps | |
| Equity / Assets | 10.80% | 9.61% | 9.29% | 8.51% | 8.76% | 8.57% | 8.59% | 8.36% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.99% | 61.27% | 62.11% | 58.81% | 64.06% | 64.30% | 61.88% | 60.66% | +185 bps | |
| Liquid Assets / Assets | 9.14% | 13.18% | 9.84% | 12.11% | 3.52% | 4.26% | 7.43% | 11.61% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |