San Francisco, CA · Cert 58729
FDIC · 1 branch
Q2 2015
Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #70 of 75 inst. · $0.0B of $310.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.79% | 1.88% | 2.17% | 1.51% | 1.18% | -61 bps | |
| Return on Equity | 9.59% | 9.08% | 8.99% | 8.05% | 9.56% | -2 bps | |
| Net Interest Margin | 2.98% | 3.28% | 3.29% | 3.15% | 2.04% | -94 bps | |
| Efficiency Ratio | 9.80% | 8.21% | 8.62% | 10.16% | 10.91% | +110 bps | |
| Non-Interest Burden | 0.28% | 0.25% | 0.27% | 0.31% | 0.21% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.80% | -33.37% | -21.59% | 34.27% | 97.02% | +11,782 bps | |
| Loan Growth (YoY) | -15.74% | -15.23% | -15.36% | -16.01% | -16.86% | -113 bps | |
| Deposit Growth (YoY) | 0.18% | 0.17% | 0.16% | 0.16% | 0.17% | -1 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.04% | -0.23% | 0.27% | 0.00% | +9 bps | |
| Allowance / Loans | 1.33% | 1.39% | 1.42% | 1.41% | 1.41% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 24.63% | 13.61% | n/a | |
| Total Risk-Based Capital | 0.38% | 0.42% | 0.45% | 39.20% | 33.51% | +3,313 bps | |
| Equity / Assets | 18.82% | 23.03% | 25.34% | 15.00% | 10.44% | -838 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24469% | 23392% | 22378% | 21338% | 20309% | -416,021 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.02% | 44.40% | 63.24% | +6,323 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |