Bakersfield, CA · Cert 58828
FDIC · 4 branches
Q4 2021
Market Position · Bakersfield, CA · 2021 SOD (annual) · 10.1% share · #4 of 18 inst. · $1.2B of $12.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.44% | 1.13% | 1.30% | 1.28% | 1.47% | 1.21% | 1.52% | +22 bps | |
| Return on Equity | 10.27% | 15.33% | 11.83% | 12.29% | 12.58% | 14.66% | 11.83% | 14.67% | +238 bps | |
| Net Interest Margin | 3.28% | 3.10% | 3.00% | 3.24% | 3.11% | 3.26% | 2.79% | 3.44% | +21 bps | |
| Efficiency Ratio | 52.03% | 43.81% | 43.81% | 42.95% | 41.26% | 38.47% | 43.84% | 44.87% | +191 bps | |
| Non-Interest Burden | 1.63% | 1.20% | 1.17% | 1.26% | 1.19% | 1.09% | 1.12% | 1.40% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.39% | 40.39% | 30.49% | 31.57% | 41.28% | 11.99% | 18.12% | 11.62% | -1,995 bps | |
| Loan Growth (YoY) | 16.75% | 47.80% | 46.81% | 35.93% | 53.81% | 5.41% | 2.42% | -2.36% | -3,829 bps | |
| Deposit Growth (YoY) | 16.91% | 38.60% | 29.26% | 30.75% | 42.36% | 14.41% | 20.07% | 12.24% | -1,850 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.20% | 0.13% | 0.13% | 0.11% | 0.26% | 0.26% | 0.27% | +14 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 | 1.36% | 1.10% | 1.16% | 1.25% | 1.11% | 1.23% | 1.26% | 1.34% | +9 bps | |
| Allowance Coverage of NPLs | 174.5x | 5.6x | 8.8x | 9.5x | 10.1x | 4.7x | 4.8x | 4.9x | -4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.63% | 9.70% | 10.49% | 10.45% | 10.39% | 10.10% | 10.13% | 10.20% | -26 bps | |
| Total Risk-Based Capital | 13.37% | 9.70% | 10.49% | 10.45% | 10.39% | 10.10% | 10.13% | 10.20% | -26 bps | |
| Equity / Assets | 10.42% | 8.58% | 10.58% | 10.60% | 9.84% | 10.24% | 10.18% | 10.56% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.20% | 80.84% | 82.76% | 78.16% | 82.33% | 74.49% | 70.60% | 67.99% | -1,017 bps | |
| Liquid Assets / Assets | 12.58% | 13.25% | 6.29% | 10.87% | 8.55% | 12.91% | 17.58% | 20.39% | +952 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |