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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.20% | 0.42% | 0.76% | -0.14% | -0.20% | 0.18% | 0.71% | -6 bps | |
| Return on Equity | 7.32% | 2.23% | 4.51% | 8.20% | -1.49% | -2.22% | 1.97% | 8.09% | -12 bps | |
| Net Interest Margin | 3.70% | 3.74% | 3.86% | 3.87% | 3.35% | 3.54% | 3.52% | 3.72% | -15 bps | |
| Efficiency Ratio | 86.21% | 95.55% | 90.91% | 84.88% | 103.40% | 100.41% | 95.97% | 83.65% | -123 bps | |
| Non-Interest Burden | 3.04% | 3.54% | 3.44% | 3.10% | 3.49% | 3.55% | 3.34% | 3.00% | -10 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% | -0.42% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0.10% | +11 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 |