PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Los Robles Bank

Thousand Oaks, CA · Cert 27008

FDIC

Q1 2001

$178.3MAssets
$113.9MLoans
$163.0MDeposits
$12.7MEquity
Loan mix
4%RE $3.0M89%C&I $73.1M7%Consumer $5.9MQ2 1999Q1 2001
Deposit mix
65%Interest-bearing $106.4M35%Noninterest $56.6MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.76%, down 80 bps year over year; NIM at 5.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.96%.
  • Funding: loans stand at 69.90% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.76%-80 bps YoY

Net Interest Margin (YTD, annualized)

5.38%
n/a

Efficiency Ratio (YTD, annualized)

51.66%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.22%1.31%1.44%1.57%1.69%0.90%1.41%0.76%-80 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.38%n/an/a
Efficiency Ration/an/an/an/an/an/an/a51.66%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.45%n/an/a
Growth
Asset Growth (YoY)18.64%9.10%8.24%10.78%4.08%10.58%16.31%10.38%-40 bps
Loan Growth (YoY)32.89%32.26%21.99%22.86%10.02%3.38%3.09%4.73%-1,814 bps
Deposit Growth (YoY)19.07%8.38%6.18%10.20%2.52%9.76%19.74%11.80%+160 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.96%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a2.05%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a10.72%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a7.14%n/an/a
Liquidity & Funding
Loans / Deposits67.72%73.91%78.41%74.63%72.67%69.62%67.51%69.90%-472 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a