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Oceanic Bank

San Francisco, CA · Cert 23502

FDIC

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Oceanic Bank

San Francisco, CA · Cert 23502

FDIC

Q2 2012

$158.1MAssets
$113.6MLoans
$95.2MDeposits
$32.8MEquity
Deposit mix
91%Interest-bearing $86.4M9%Noninterest $8.8MQ2 2011Q2 2012

NIM

4.31%Q2 ’104.09%Q2 ’113.83%Q2 ’12+4%0%

Non-interest income vs. expense

1.83%Q2 ’102.05%Q2 ’112.06%Q2 ’12+13%0%

Executive Summary

  • Earnings: ROA of 0.81%, up 5 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 119.32% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.81%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.21%0 bps YoY

Efficiency Ratio (YTD, annualized)

60.71%-4 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.77%0.78%0.73%0.81%0.81%+5 bps
Return on Equity4.44%4.45%4.09%4.22%4.15%-29 bps
Net Interest Margin3.21%3.31%3.24%3.37%3.21%0 bps
Efficiency Ratio60.75%59.92%62.80%61.41%60.71%-4 bps
Non-Interest Burden1.89%1.91%1.97%2.00%1.88%-1 bps
Growth
Asset Growth (YoY)-7.39%-6.27%-10.90%-7.27%-8.47%-108 bps
Loan Growth (YoY)-7.49%-5.54%-4.23%-1.76%-5.47%+202 bps
Deposit Growth (YoY)-1.09%3.94%-4.12%9.00%3.51%+460 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.17%0.21%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital24.67%24.22%24.70%25.36%27.08%+241 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits130.64%121.91%124.63%117.51%119.32%-1,132 bps
Liquid Assets / Assets3.45%3.06%2.59%2.88%2.83%-62 bps
CRE / Total Capitaln/an/an/an/an/an/an/a