San Francisco, CA · Cert 58329
FDIC · 1 branch
Q1 2018
Market Position · San Francisco-Oakland-Hayward, CA · 2017 SOD (annual) · 0.1% share · #39 of 71 inst. · $0.3B of $357.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.35% | 0.71% | 0.36% | 0.45% | 0.82% | -1.60% | 0.34% | -2 bps | |
| Return on Equity | 2.66% | 2.72% | 5.75% | 3.03% | 3.83% | 6.96% | -13.52% | 3.00% | -3 bps | |
| Net Interest Margin | 3.86% | 4.03% | 4.03% | 4.00% | 4.01% | 4.12% | 4.02% | 4.20% | +21 bps | |
| Efficiency Ratio | 77.08% | 79.22% | 77.46% | 86.50% | 77.01% | 72.79% | 80.89% | 78.12% | -838 bps | |
| Non-Interest Burden | 2.84% | 3.05% | 2.98% | 3.36% | 2.97% | 2.86% | 3.14% | 3.15% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.09% | 14.40% | 17.21% | 20.21% | 14.16% | 10.20% | 5.39% | 3.38% | -1,682 bps | |
| Loan Growth (YoY) | 26.86% | 27.20% | 26.86% | 22.25% | 13.95% | 8.47% | 7.90% | 19.29% | -296 bps | |
| Deposit Growth (YoY) | 16.55% | 16.29% | 19.45% | 23.13% | 15.75% | 10.86% | 5.88% | 3.57% | -1,955 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.09% | 0.11% | 0.02% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.29% | 0.21% | 0.02% | 0.00% | -0.12% | +17 bps | |
| Allowance / Loans | 1.63% | 1.56% | 1.51% | 1.52% | 1.54% | 1.53% | 1.63% | 1.60% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 99.1x | 17.0x | 14.3x | 102.0x | 76.2x | -22.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.21% | 11.37% | 11.03% | 10.94% | 10.74% | 10.71% | 10.90% | 10.94% | 0 bps | |
| Total Risk-Based Capital | 14.43% | 14.09% | 14.22% | 13.76% | 13.75% | 13.99% | 13.76% | 12.26% | -150 bps | |
| Equity / Assets | 12.96% | 12.60% | 12.24% | 11.59% | 11.72% | 11.96% | 11.70% | 11.20% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.33% | 85.44% | 84.61% | 82.44% | 84.00% | 83.59% | 86.22% | 94.95% | +1,251 bps | |
| Liquid Assets / Assets | 9.30% | 10.85% | 12.42% | 13.99% | 13.05% | 14.06% | 11.86% | 4.32% | -967 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |