Santa Rosa, CA · Cert 58275
FDIC · 6 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Santa Rosa, CA · Cert 58275
FDIC · 6 branches
Q3 2019
Market Position · Riverside-San Bernardino-Ontario, CA · 2019 SOD (annual) · 0.4% share · #23 of 43 inst. · $0.2B of $53.3B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.10% | 1.23% | 1.29% | 1.33% | 1.16% | 1.21% | 1.13% | -16 bps | |
| Return on Equity | 6.94% | 7.52% | 8.60% | 9.15% | 9.45% | 8.53% | 8.94% | 8.22% | -93 bps | |
| Net Interest Margin | 4.43% | 4.40% | 4.63% | 4.55% | 4.60% | 4.72% | 4.59% | 4.57% | +3 bps | |
| Efficiency Ratio | 64.91% | 71.23% | 63.46% | 62.13% | 61.51% | 64.68% | 63.04% | 64.54% | +240 bps | |
| Non-Interest Burden | 2.72% | 3.09% | 2.88% | 2.77% | 2.75% | 3.02% | 2.83% | 2.88% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.62% | 3.97% | 2.68% | 1.82% | -0.88% | 3.96% | 0.33% | -2.20% | -402 bps | |
| Loan Growth (YoY) | 26.85% | 17.27% | 24.67% | 19.86% | 11.02% | 8.47% | 3.13% | 3.73% | -1,614 bps | |
| Deposit Growth (YoY) | 20.61% | 8.08% | 2.51% | -0.26% | -3.55% | -2.73% | -9.18% | -12.52% | -1,225 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.23% | 1.26% | 1.28% | 1.26% | 1.24% | 1.25% | 1.26% | -2 bps | |
| Allowance Coverage of NPLs | 80.1x | 89.0x | 84.2x | 84.2x | 105.8x | 130.8x | 156.1x | 191.6x | +107.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.72% | 13.83% | 13.33% | 12.48% | 12.77% | 12.84% | 12.96% | 13.30% | +82 bps | |
| Total Risk-Based Capital | 17.59% | 17.18% | 15.84% | 15.71% | 15.66% | 15.26% | 15.77% | 16.21% | +50 bps | |
| Equity / Assets | 14.79% | 14.38% | 13.81% | 13.34% | 14.04% | 13.21% | 13.53% | 14.27% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.20% | 92.42% | 97.05% | 94.89% | 101.53% | 103.06% | 110.20% | 112.51% | +1,762 bps | |
| Liquid Assets / Assets | 5.53% | 4.15% | 4.74% | 6.56% | 2.05% | 3.54% | 5.03% | 3.47% | -308 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |