Folsom, CA · Cert 58503
FDIC · 3 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Folsom, CA · Cert 58503
FDIC · 3 branches
Q3 2017
Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2017 SOD (annual) · 0.3% share · #26 of 39 inst. · $0.2B of $51.2B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.50% | 0.51% | 0.48% | 0.54% | 0.54% | 0.33% | -0.76% | -124 bps | |
| Return on Equity | 5.33% | 5.48% | 5.53% | 5.22% | 5.94% | 6.35% | 3.82% | -9.02% | -1,423 bps | |
| Net Interest Margin | 3.44% | 3.41% | 3.26% | 3.05% | 3.10% | 3.19% | 3.22% | 3.20% | +15 bps | |
| Efficiency Ratio | 78.02% | 75.21% | 77.05% | 78.50% | 76.31% | 72.08% | 88.47% | 140.38% | +6,189 bps | |
| Non-Interest Burden | 2.67% | 2.54% | 2.48% | 2.37% | 2.34% | 2.27% | 2.84% | 4.53% | +216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.54% | 17.77% | 17.02% | 16.17% | 12.14% | 11.33% | 9.77% | 1.64% | -1,453 bps | |
| Loan Growth (YoY) | 11.07% | 2.56% | 1.60% | 5.90% | 15.79% | 20.28% | 24.80% | 11.60% | +570 bps | |
| Deposit Growth (YoY) | 14.91% | 24.06% | 21.66% | 20.52% | 14.07% | 8.00% | 8.50% | 2.14% | -1,838 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.47% | 1.51% | 1.44% | 1.34% | 1.23% | 1.22% | 1.15% | 1.20% | -14 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 | 9.38% | 9.26% | 9.21% | 8.79% | 8.87% | 8.71% | 8.75% | 7.98% | -81 bps | |
| Total Risk-Based Capital | 14.12% | 14.66% | 14.74% | 14.18% | 13.23% | 13.57% | 13.19% | 13.62% | -55 bps | |
| Equity / Assets | 9.13% | 9.26% | 9.23% | 9.14% | 8.36% | 8.60% | 8.57% | 8.19% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.90% | 64.60% | 64.52% | 65.07% | 72.99% | 71.95% | 74.21% | 71.10% | +603 bps | |
| Liquid Assets / Assets | 5.36% | 9.29% | 4.27% | 6.89% | 1.47% | 3.41% | 7.16% | 11.70% | +481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |