San Francisco, CA · Cert 58325
FDIC · 5 branches
Q3 2019
Market Position · San Francisco-Oakland-Berkeley, CA · 2019 SOD (annual) · 0.1% share · #35 of 70 inst. · $0.5B of $385.4B
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.41% | 1.38% | 1.33% | 1.32% | -4 bps | |
| Return on Equity | 14.36% | 14.56% | 13.50% | 12.47% | 12.26% | -210 bps | |
| Net Interest Margin | 3.94% | 4.09% | 4.40% | 4.39% | 4.37% | +44 bps | |
| Efficiency Ratio | 57.65% | 55.89% | 57.28% | 58.59% | 58.42% | +77 bps | |
| Non-Interest Burden | 2.21% | 2.22% | 2.46% | 2.52% | 2.50% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.18% | 8.64% | 6.60% | -1.50% | 5.18% | -100 bps | |
| Loan Growth (YoY) | 8.37% | 13.52% | 8.48% | 6.87% | 4.70% | -367 bps | |
| Deposit Growth (YoY) | 5.30% | 7.75% | 4.69% | -4.63% | 2.73% | -258 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.53% | 0.53% | 0.54% | 0.53% | +53 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.05% | 1.06% | 1.07% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 2.0x | 2.0x | 2.0x | 2.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.85% | 10.34% | 10.70% | 10.94% | 11.35% | +150 bps | |
| Total Risk-Based Capital | 12.31% | 12.05% | 12.52% | 12.99% | 13.14% | +83 bps | |
| Equity / Assets | 10.16% | 10.28% | 10.22% | 11.42% | 11.33% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.08% | 93.70% | 88.84% | 96.64% | 92.83% | +175 bps | |
| Liquid Assets / Assets | 9.49% | 7.94% | 11.41% | 5.77% | 9.74% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |