Santa Cruz, CA · Cert 58646
FDIC · 2 branches
Q3 2019
Market Position · Santa Cruz-Watsonville, CA · 2019 SOD (annual) · 3.9% share · #8 of 12 inst. · $0.2B of $6.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.57% | 1.80% | 1.46% | 2.13% | 1.72% | 1.48% | 1.52% | +6 bps | |
| Return on Equity | 6.25% | 11.87% | 13.75% | 11.39% | 16.68% | 13.44% | 11.44% | 11.50% | +11 bps | |
| Net Interest Margin | 4.84% | 5.18% | 5.25% | 5.22% | 5.13% | 4.91% | 4.81% | 4.49% | -73 bps | |
| Efficiency Ratio | 54.78% | 51.59% | 49.01% | 48.93% | 46.79% | 51.44% | 54.72% | 55.75% | +683 bps | |
| Non-Interest Burden | 2.60% | 2.62% | 2.51% | 2.50% | 2.34% | 2.48% | 2.59% | 2.45% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.72% | 14.45% | 15.63% | 16.19% | 16.42% | 16.89% | 12.22% | 7.98% | -821 bps | |
| Loan Growth (YoY) | 25.86% | 29.57% | 23.66% | 22.16% | 14.79% | 3.99% | 0.41% | -3.75% | -2,591 bps | |
| Deposit Growth (YoY) | 21.14% | 14.93% | 16.42% | 17.05% | 15.33% | 16.96% | 11.55% | 6.77% | -1,028 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.21% | 2.17% | 2.17% | 2.29% | 2.21% | 2.29% | 2.35% | 2.38% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.4x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.33% | 13.47% | 13.60% | 13.00% | 13.02% | 13.05% | 13.01% | 13.24% | +25 bps | |
| Total Risk-Based Capital | 14.70% | 14.81% | 14.84% | 14.77% | 14.95% | 15.47% | 16.15% | 16.82% | +204 bps | |
| Equity / Assets | 13.17% | 13.23% | 13.01% | 12.62% | 12.86% | 12.81% | 13.08% | 13.32% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.96% | 97.38% | 93.33% | 90.78% | 93.52% | 86.58% | 84.01% | 81.84% | -895 bps | |
| Liquid Assets / Assets | 12.46% | 9.81% | 11.41% | 15.47% | 14.47% | 19.48% | 20.70% | 24.05% | +859 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |