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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | 0.75% | 0.08% | 1.18% | 0.17% | +30 bps | |
| Return on Equity | -0.97% | 5.94% | 0.65% | 8.51% | 1.18% | +215 bps | |
| Net Interest Margin | 4.07% | 3.95% | 3.81% | 4.10% | 3.98% | -9 bps | |
| Efficiency Ratio | 79.63% | 65.50% | 90.93% | 77.23% | 88.35% | +872 bps | |
| Non-Interest Burden | 3.12% | 2.38% | 3.33% | 3.09% | 3.45% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.81% | 19.36% | -2.46% | -2.33% | -3.80% | -762 bps | |
| Loan Growth (YoY) | 11.82% | 16.00% | 15.26% | 12.87% | 12.34% | +52 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | -0.03% | -0.03% | -0.54% | -50 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.49% | 12.51% | 11.67% | 12.97% | 13.56% | +107 bps | |
| Total Risk-Based Capital | 16.30% | 15.15% | 15.07% | 15.76% | 15.83% | -47 bps | |
| Equity / Assets | 13.44% | 11.83% | 13.27% | 14.52% | 14.71% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.01% | 75.30% | 89.22% | 95.46% | 95.36% | +1,235 bps | |
| Liquid Assets / Assets | 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 |