Fresno, CA · Cert 58212
FDIC · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Fresno, CA · Cert 58212
FDIC · 1 branch
Q3 2016
Market Position · Fresno, CA · 2016 SOD (annual) · 0.6% share · #20 of 26 inst. · $0.1B of $13.2B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | -0.16% | -0.06% | -0.08% | 0.13% | 0.08% | 0.61% | 0.47% | +55 bps | |
| Return on Equity | 16.32% | -1.19% | -0.47% | -0.63% | 1.02% | 0.65% | 4.61% | 3.46% | +409 bps | |
| Net Interest Margin | 3.82% | 3.53% | 3.63% | 3.86% | 3.80% | 3.81% | 4.12% | 4.17% | +32 bps | |
| Efficiency Ratio | 109.73% | 101.52% | 99.00% | 92.03% | 84.84% | 90.93% | 84.81% | 85.87% | -616 bps | |
| Non-Interest Burden | 4.22% | 3.55% | 3.55% | 3.48% | 3.14% | 3.33% | 3.35% | 3.46% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.60% | 12.16% | -0.49% | 3.81% | 19.36% | -2.46% | -2.33% | -3.80% | -762 bps | |
| Loan Growth (YoY) | 21.29% | 29.25% | 14.52% | 11.82% | 16.00% | 15.26% | 12.87% | 12.34% | +52 bps | |
| Deposit Growth (YoY) | 1.85% | 10.03% | -0.88% | 2.13% | 23.62% | -2.83% | -6.01% | -2.21% | -434 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 | -0.89% | 0.61% | 0.29% | 0.18% | 0.12% | -0.03% | -0.03% | -0.20% | -38 bps | |
| Allowance / Loans | 1.93% | 1.68% | 1.68% | 2.09% | 1.98% | 1.93% | 1.99% | 2.10% | +1 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 | n/a | 11.85% | 12.13% | 12.49% | 12.51% | 11.67% | 12.97% | 13.56% | +107 bps | |
| Total Risk-Based Capital | 16.91% | 16.61% | 16.62% | 16.30% | 15.15% | 15.07% | 15.76% | 15.83% | -47 bps | |
| Equity / Assets | 13.80% | 12.69% | 13.41% | 13.44% | 11.83% | 13.27% | 14.52% | 14.71% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.25% | 75.22% | 79.50% | 83.01% | 75.30% | 89.22% | 95.46% | 95.36% | +1,235 bps | |
| Liquid Assets / Assets | 1.44% | 6.45% | 6.93% | 8.39% | 10.19% | 11.32% | 5.61% | 4.69% | -371 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |