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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.18% | 1.24% | 1.58% | -1.10% | -263 bps | |
| Return on Equity | 15.29% | 12.11% | 12.76% | 16.82% | -12.17% | -2,746 bps | |
| Net Interest Margin | 3.59% | 3.84% | 3.79% | 4.43% | 4.31% | +73 bps | |
| Efficiency Ratio | 42.84% | 56.61% | 58.24% | 52.52% | 130.61% | +8,777 bps | |
| Non-Interest Burden | 1.35% | 1.95% | 2.01% | 2.15% | 5.73% | +438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 41.30% | 35.93% | 24.97% | 34.26% | 7.37% | -3,393 bps | |
| Loan Growth (YoY) | 41.91% | 37.51% | 40.04% | 37.27% | 4.12% | -3,779 bps | |
| Deposit Growth (YoY) | 48.46% | 42.25% | 34.48% | 43.41% | 17.49% | -3,097 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.07% | 1.03% | 1.04% | -8 bps | |
| Allowance Coverage of NPLs | 44.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.43% | 9.63% | 9.52% | 9.76% | 8.35% | -108 bps | |
| Total Risk-Based Capital | 9.43% | 9.63% | 9.52% | 9.76% | 8.35% | -108 bps | |
| Equity / Assets | 9.07% | 9.08% | 9.59% | 9.24% | 8.38% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.91% | 103.68% | 100.45% | 95.66% | 90.32% | -1,159 bps | |
| Liquid Assets / Assets | 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 |