Big Bear Lake, CA · Cert 23544
FDIC · 3 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Big Bear Lake, CA · Cert 23544
FDIC · 3 branches
Q4 2015
Market Position · Riverside-San Bernardino-Ontario, CA · 2015 SOD (annual) · 0.3% share · #26 of 47 inst. · $0.1B of $42.6B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.43% | 0.43% | 0.51% | -0.14% | -0.17% | -0.05% | 0.14% | -37 bps | |
| Return on Equity | 7.32% | 4.76% | 4.67% | 5.57% | -1.49% | -1.85% | -0.58% | 1.60% | -397 bps | |
| Net Interest Margin | 3.70% | 3.73% | 3.75% | 3.74% | 3.35% | 3.45% | 3.45% | 3.47% | -28 bps | |
| Efficiency Ratio | 86.21% | 90.78% | 90.82% | 89.23% | 103.40% | 101.88% | 99.80% | 95.51% | +628 bps | |
| Non-Interest Burden | 3.04% | 3.30% | 3.32% | 3.24% | 3.49% | 3.52% | 3.44% | 3.28% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.04% | -1.67% | 2.63% | 2.60% | 5.96% | 3.43% | 8.40% | 8.05% | +545 bps | |
| Loan Growth (YoY) | -1.10% | 5.70% | 2.22% | -4.06% | -0.52% | -1.43% | 3.71% | 14.48% | +1,853 bps | |
| Deposit Growth (YoY) | -4.96% | -2.28% | 2.40% | 2.17% | 6.15% | 3.58% | 9.13% | 8.70% | +653 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.21% | -0.14% | -0.11% | -0.01% | -0.01% | -0.01% | 0.02% | +13 bps | |
| Allowance / Loans | 3.02% | 3.19% | 3.15% | 3.35% | 3.15% | 3.24% | 3.05% | 2.91% | -44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | 9.06% | 9.02% | 8.97% | 8.99% | n/a | |
| Total Risk-Based Capital | 13.30% | 13.75% | 13.78% | 14.58% | 13.10% | 13.19% | 12.82% | 12.76% | -182 bps | |
| Equity / Assets | 8.96% | 9.24% | 9.23% | 9.34% | 8.84% | 9.14% | 8.72% | 8.76% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.17% | 75.31% | 75.31% | 70.25% | 70.45% | 71.67% | 71.57% | 73.98% | +373 bps | |
| Liquid Assets / Assets | 15.96% | 15.88% | 16.38% | 19.81% | 20.05% | 17.51% | 18.94% | 17.30% | -251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |