Yuba City, CA · Cert 58221
FDIC · 1 branch
Q3 2015
Market Position · Yuba City, CA · 2015 SOD (annual) · 3.0% share · #11 of 12 inst. · $0.1B of $1.9B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.12% | 0.12% | 0.29% | 0.36% | 0.08% | 0.07% | 0.07% | -22 bps | |
| Return on Equity | 2.64% | 0.89% | 0.87% | 2.18% | 2.69% | 0.61% | 0.52% | 0.53% | -165 bps | |
| Net Interest Margin | 4.08% | 3.59% | 3.66% | 3.95% | 4.05% | 3.86% | 3.74% | 3.62% | -32 bps | |
| Efficiency Ratio | 84.16% | 103.57% | 102.51% | 95.42% | 93.82% | 97.97% | 98.51% | 98.52% | +310 bps | |
| Non-Interest Burden | 3.38% | 3.72% | 3.76% | 3.75% | 3.78% | 3.77% | 3.67% | 3.56% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | 0.67% | 0.45% | -0.14% | 2.00% | -4.61% | 1.73% | 3.31% | +345 bps | |
| Loan Growth (YoY) | -4.92% | -2.24% | 9.99% | 3.34% | -2.38% | 3.82% | -6.36% | -8.89% | -1,223 bps | |
| Deposit Growth (YoY) | -5.31% | 0.79% | 0.48% | -0.40% | 2.19% | -5.53% | 1.64% | 3.85% | +425 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 | -0.01% | -0.11% | -0.08% | -0.11% | -0.11% | -0.02% | -0.08% | -0.09% | +1 bps | |
| Allowance / Loans | 2.77% | 2.87% | 2.56% | 2.70% | 2.95% | 2.85% | 2.84% | 3.05% | +36 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 | n/a | n/a | n/a | n/a | 13.58% | 13.40% | 13.14% | n/a | |
| Total Risk-Based Capital | 21.24% | 21.28% | 18.66% | 18.68% | 19.67% | 19.61% | 19.53% | 20.74% | +206 bps | |
| Equity / Assets | 13.60% | 12.97% | 13.51% | 13.82% | 13.70% | 13.96% | 13.60% | 13.58% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.80% | 81.73% | 96.05% | 94.19% | 84.83% | 89.82% | 88.49% | 82.64% | -1,155 bps | |
| Liquid Assets / Assets | 16.37% | 21.63% | 9.12% | 8.14% | 14.26% | 13.08% | 13.87% | 18.96% | +1,081 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |