San Jose, CA · Cert 58474
FDIC · 1 branch
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
San Jose, CA · Cert 58474
FDIC · 1 branch
Q2 2015
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2015 SOD (annual) · 0.3% share · #21 of 49 inst. · $0.4B of $115.1B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.33% | 0.31% | 0.33% | 0.31% | 0.32% | 0.41% | 0.18% | -15 bps | |
| Return on Equity | 2.82% | 3.30% | 3.76% | 4.15% | 4.07% | 4.19% | 5.60% | 2.49% | -166 bps | |
| Net Interest Margin | 2.40% | 2.29% | 2.51% | 2.35% | 2.20% | 2.19% | 2.56% | 2.49% | +14 bps | |
| Efficiency Ratio | 86.68% | 83.78% | 80.79% | 79.36% | 80.83% | 81.05% | 80.08% | 88.66% | +930 bps | |
| Non-Interest Burden | 2.02% | 1.83% | 1.90% | 1.75% | 1.68% | 1.69% | 1.81% | 2.11% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.15% | 46.49% | 43.94% | 41.72% | 44.90% | 25.15% | 18.19% | 10.34% | -3,138 bps | |
| Loan Growth (YoY) | 17.63% | 17.52% | 29.54% | 21.47% | 25.53% | 29.98% | 20.55% | 29.90% | +844 bps | |
| Deposit Growth (YoY) | 55.42% | 52.94% | 49.24% | 45.87% | 48.85% | 26.77% | 19.25% | 10.84% | -3,502 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 | 0.00% | 0.00% | 0.33% | 0.27% | 0.13% | 0.09% | 0.00% | 0.00% | -27 bps | |
| Allowance / Loans | 1.90% | 1.81% | 1.68% | 1.74% | 1.53% | 1.47% | 1.51% | 1.44% | -29 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 | n/a | n/a | n/a | n/a | n/a | 7.51% | 7.40% | n/a | |
| Total Risk-Based Capital | 15.30% | 14.84% | 13.63% | 13.73% | 15.24% | 14.71% | 15.39% | 14.84% | +111 bps | |
| Equity / Assets | 9.39% | 8.54% | 8.07% | 7.53% | 6.91% | 7.28% | 7.33% | 7.14% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.99% | 49.24% | 48.69% | 42.78% | 44.69% | 50.49% | 49.22% | 50.14% | +736 bps | |
| Liquid Assets / Assets | 28.46% | 30.52% | 30.97% | 33.42% | 33.68% | 32.02% | 34.98% | 34.48% | +106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |