Folsom, CA · Cert 58438
FDIC · 3 branches
Q3 2016
Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2016 SOD (annual) · 0.3% share · #29 of 41 inst. · $0.1B of $48.9B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.52% | 0.31% | 0.32% | -1.85% | -226 bps | |
| Return on Equity | 3.27% | 4.24% | 2.65% | 2.75% | -16.40% | -1,966 bps | |
| Net Interest Margin | 3.82% | 3.78% | 4.11% | 4.17% | 4.19% | +37 bps | |
| Efficiency Ratio | 82.79% | 79.29% | 84.18% | 86.11% | 161.98% | +7,919 bps | |
| Non-Interest Burden | 3.03% | 2.87% | 3.36% | 3.49% | 6.81% | +378 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.29% | 27.31% | 14.02% | 11.51% | 4.63% | -1,766 bps | |
| Loan Growth (YoY) | 31.11% | 32.87% | 30.22% | 21.40% | 10.94% | -2,017 bps | |
| Deposit Growth (YoY) | 22.68% | 28.77% | 13.18% | 7.73% | 8.86% | -1,382 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.16% | -0.04% | -0.02% | -0.03% | +6 bps | |
| Allowance / Loans | 1.35% | 1.43% | 1.41% | 1.43% | 1.40% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.11% | 10.01% | 9.93% | 10.00% | 8.56% | -155 bps | |
| Total Risk-Based Capital | 13.37% | 13.75% | 13.55% | 13.68% | 11.42% | -195 bps | |
| Equity / Assets | 11.78% | 11.51% | 11.56% | 11.71% | 10.42% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.80% | 85.34% | 88.70% | 92.10% | 90.50% | +170 bps | |
| Liquid Assets / Assets | 0.23% | 0.12% | 0.40% | 0.27% | 0.21% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |