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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.60% | 1.16% | 1.18% | 1.19% | 1.18% | 1.08% | -1.00% | -218 bps | |
| Return on Equity | 11.69% | 15.24% | 10.71% | 10.42% | 10.06% | 9.65% | 8.52% | -7.76% | -1,818 bps | |
| Net Interest Margin | 3.92% | 4.30% | 3.91% | 3.87% | 3.86% | 3.88% | 3.84% | 3.66% | -21 bps | |
| Efficiency Ratio | 54.03% | 47.26% | 57.05% | 55.98% | 57.02% | 58.84% | 62.59% | 65.70% | +972 bps | |
| Non-Interest Burden | 1.97% | 1.83% | 2.13% | 2.06% | 2.08% | 2.16% | 2.26% | 2.29% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.36% | 1.45% | 10.32% | 5.91% | -3.66% | -3.30% | -6.83% | -4.54% | -1,045 bps | |
| Loan Growth (YoY) | 22.04% | 15.75% | 15.41% | 5.48% | -0.97% | -2.18% | -5.99% | -6.05% | -1,152 bps | |
| Deposit Growth (YoY) | -1.61% | 6.54% | 7.21% | 11.62% | -0.51% | -9.64% | -4.88% | -5.90% | -1,752 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.08% | 0.01% | 0.01% | 0.08% | 0.24% | 0.10% | 1.46% | +144 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.16% | 0.06% | 0.00% | -0.02% | -0.01% | 0.09% | 3.57% | +357 bps | |
| Allowance / Loans | 1.04% | 1.07% | 0.95% | 0.99% | 1.01% | 1.03% | 1.05% | 1.10% | +11 bps | |
| Allowance Coverage of NPLs | 48.3x | 13.6x | 63.6x | 78.2x | 12.9x | 4.2x | 11.0x | 0.8x | -77.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.62% | 10.23% | 11.15% | 11.42% | 11.75% | 12.14% | 12.72% | 12.54% | +112 bps | |
| Total Risk-Based Capital | 11.17% | 11.40% | 11.73% | 12.46% | 12.76% | 12.96% | 13.63% | 13.69% | +123 bps | |
| Equity / Assets | 10.27% | 10.72% | 11.00% | 11.62% | 12.08% | 12.42% | 12.97% | 12.79% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.52% | 88.60% | 93.78% | 90.94% | 92.10% | 95.91% | 92.69% | 90.80% | -14 bps | |
| Liquid Assets / Assets | 15.88% | 15.07% | 14.87% | 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 | n/a | n/a | n/a |