Yuba City, CA · Cert 58630
FDIC · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Yuba City, CA · Cert 58630
FDIC · 1 branch
Q2 2021
Market Position · Yuba City, CA · 2021 SOD (annual) · 5.4% share · #7 of 13 inst. · $0.2B of $3.2B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.29% | 1.09% | 1.53% | 1.18% | 1.24% | 1.58% | -1.10% | -263 bps | |
| Return on Equity | 12.38% | 11.84% | 10.31% | 15.29% | 12.11% | 12.76% | 16.82% | -12.17% | -2,746 bps | |
| Net Interest Margin | 4.61% | 4.22% | 4.14% | 3.59% | 3.84% | 3.79% | 4.43% | 4.31% | +73 bps | |
| Efficiency Ratio | 60.13% | 62.44% | 62.95% | 42.84% | 56.61% | 58.24% | 52.52% | 130.61% | +8,777 bps | |
| Non-Interest Burden | 2.61% | 2.49% | 2.46% | 1.35% | 1.95% | 2.01% | 2.15% | 5.73% | +438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.36% | 17.05% | 15.93% | 41.30% | 35.93% | 24.97% | 34.26% | 7.37% | -3,393 bps | |
| Loan Growth (YoY) | 14.77% | 6.97% | 10.82% | 41.91% | 37.51% | 40.04% | 37.27% | 4.12% | -3,779 bps | |
| Deposit Growth (YoY) | 12.37% | 13.35% | 13.99% | 48.46% | 42.25% | 34.48% | 43.41% | 17.49% | -3,097 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.28% | 1.31% | 1.28% | 1.11% | 1.12% | 1.07% | 1.03% | 1.04% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 44.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 10.76% | 10.77% | 9.43% | 9.63% | 9.52% | 9.76% | 8.35% | -108 bps | |
| Total Risk-Based Capital | 13.15% | 13.72% | 10.77% | 9.43% | 9.63% | 9.52% | 9.76% | 8.35% | -108 bps | |
| Equity / Assets | 10.94% | 10.51% | 10.71% | 9.07% | 9.08% | 9.59% | 9.24% | 8.38% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.26% | 96.46% | 99.93% | 101.91% | 103.68% | 100.45% | 95.66% | 90.32% | -1,159 bps | |
| Liquid Assets / Assets | 8.06% | 17.28% | 13.09% | 10.58% | 9.72% | 9.03% | 13.04% | 12.83% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |