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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.35% | 0.38% | 0.48% | 0.82% | 0.31% | 0.33% | -6.18% | -666 bps | |
| Return on Equity | 2.13% | 2.69% | 3.07% | 3.99% | 7.07% | 2.65% | 2.85% | -55.86% | -5,985 bps | |
| Net Interest Margin | 4.16% | 4.05% | 4.00% | 4.04% | 4.46% | 4.11% | 4.28% | 4.29% | +25 bps | |
| Efficiency Ratio | 88.99% | 85.89% | 83.64% | 79.30% | 70.81% | 84.18% | 87.95% | 310% | +23,108 bps | |
| Non-Interest Burden | 3.68% | 3.35% | 3.20% | 3.05% | 2.99% | 3.36% | 3.67% | 13.50% | +1,045 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.60% | 30.70% | 23.16% | 22.29% | 27.31% | 14.02% | 11.51% | 4.63% | -1,766 bps | |
| Loan Growth (YoY) | 9.79% | 20.68% | 24.48% | 31.11% | 32.87% | 30.22% | 21.40% | 10.94% | -2,017 bps | |
| Deposit Growth (YoY) | 23.92% | 37.43% | 26.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.40% | -0.05% | -0.08% | -0.15% | -0.38% | -0.04% | 0.00% | -0.04% | +11 bps | |
| Allowance / Loans | 1.63% | 1.54% | 1.44% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 11.03% | 10.49% | 10.11% | 10.01% | 9.93% | 10.00% | 8.56% | -155 bps | |
| Total Risk-Based Capital | 16.29% | 14.89% | 14.20% | 13.37% | 13.75% | 13.55% | 13.68% | 11.42% | -195 bps | |
| Equity / Assets | 13.50% | 12.51% | 12.21% | 11.78% | 11.51% | 11.56% | 11.71% | 10.42% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.70% | 77.10% | 81.73% | 88.80% | 85.34% | 88.70% | 92.10% | 90.50% | +170 bps | |
| Liquid Assets / Assets | 0.41% | 0.15% | 0.58% | 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 | n/a | n/a | n/a |