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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.42% | 0.31% | 0.35% | 0.28% | 0.32% | 0.41% | -0.04% | -40 bps | |
| Return on Equity | 3.68% | 4.73% | 3.76% | 4.54% | 3.89% | 4.52% | 5.60% | -0.59% | -514 bps | |
| Net Interest Margin | 2.52% | 2.55% | 2.51% | 2.41% | 2.26% | 2.45% | 2.56% | 2.45% | +5 bps | |
| Efficiency Ratio | 85.71% | 76.63% | 80.79% | 77.98% | 83.73% | 81.67% | 80.08% | 99.72% | +2,174 bps | |
| Non-Interest Burden | 2.07% | 1.79% | 1.90% | 1.75% | 1.81% | 1.95% | 1.81% | 2.44% | +70 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% | 0.19% | -0.06% | 0.00% | 0.00% | 0.00% | -19 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 |