Lafayette, CA · Cert 58583
FDIC · 1 branch
Q2 2024
Market Position · San Francisco-Oakland-Fremont, CA · 2024 SOD (annual) · 0.4% share · #17 of 69 inst. · $1.6B of $440.9B
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.18% | 1.18% | 1.08% | 0.05% | -112 bps | |
| Return on Equity | 10.57% | 10.39% | 10.20% | 8.52% | 0.39% | -1,018 bps | |
| Net Interest Margin | 3.88% | 3.87% | 3.89% | 3.84% | 3.76% | -12 bps | |
| Efficiency Ratio | 56.52% | 56.68% | 57.22% | 62.59% | 64.10% | +759 bps | |
| Non-Interest Burden | 2.09% | 2.08% | 2.11% | 2.26% | 2.28% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | -3.66% | -3.30% | -6.83% | -4.54% | -1,045 bps | |
| Loan Growth (YoY) | 5.48% | -0.97% | -2.18% | -5.99% | -6.05% | -1,152 bps | |
| Deposit Growth (YoY) | 11.62% | -0.51% | -9.64% | -4.88% | -5.90% | -1,752 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.08% | 0.24% | 0.10% | 1.46% | +144 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.01% | 0.09% | 1.83% | +180 bps | |
| Allowance / Loans | 0.99% | 1.01% | 1.03% | 1.05% | 1.10% | +11 bps | |
| Allowance Coverage of NPLs | 78.2x | 12.9x | 4.2x | 11.0x | 0.8x | -77.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.75% | 12.14% | 12.72% | 12.54% | +112 bps | |
| Total Risk-Based Capital | 12.46% | 12.76% | 12.96% | 13.63% | 13.69% | +123 bps | |
| Equity / Assets | 11.62% | 12.08% | 12.42% | 12.97% | 12.79% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.94% | 92.10% | 95.91% | 92.69% | 90.80% | -14 bps | |
| Liquid Assets / Assets | 14.68% | 14.48% | 14.41% | 14.95% | 16.33% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |