Santa Paula, CA · Cert 34806
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Santa Paula, CA · Cert 34806
FDIC · 3 branches
Q3 2014
Market Position · Oxnard-Thousand Oaks-Ventura, CA · 2014 SOD (annual) · 0.6% share · #18 of 25 inst. · $0.1B of $16.2B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | -0.27% | -0.14% | -0.12% | -0.11% | -0.39% | -0.20% | -0.38% | -26 bps | |
| Return on Equity | 3.77% | -2.41% | -1.23% | -1.06% | -1.06% | -3.70% | -1.87% | -3.55% | -249 bps | |
| Net Interest Margin | 3.61% | 3.35% | 3.40% | 3.34% | 3.45% | 3.13% | 3.33% | 3.22% | -12 bps | |
| Efficiency Ratio | 92.30% | 107.43% | 103.66% | 103.09% | 98.82% | 110.27% | 105.06% | 109.88% | +679 bps | |
| Non-Interest Burden | 3.29% | 3.64% | 3.55% | 3.46% | 3.40% | 3.51% | 3.53% | 3.60% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | -1.72% | 4.36% | 0.55% | -3.98% | -2.02% | -4.04% | -5.00% | -555 bps | |
| Loan Growth (YoY) | -8.11% | -11.32% | -12.42% | -8.81% | -4.01% | -3.21% | -4.38% | -3.41% | +540 bps | |
| Deposit Growth (YoY) | 9.43% | -1.54% | 6.93% | 2.75% | -2.94% | -3.17% | -6.38% | -7.61% | -1,035 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 | 0.85% | 0.44% | 0.50% | 0.22% | 0.35% | 0.11% | 0.05% | 0.02% | -21 bps | |
| Allowance / Loans | 2.04% | 2.05% | 1.92% | 1.98% | 1.77% | 1.84% | 1.87% | 1.84% | -14 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 21.25% | 21.87% | 22.09% | 21.70% | 21.35% | 21.61% | 21.86% | 21.13% | -56 bps | |
| Equity / Assets | 10.95% | 11.45% | 10.76% | 10.31% | 10.51% | 10.70% | 10.88% | 10.68% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.99% | 59.83% | 57.15% | 56.48% | 59.33% | 59.80% | 58.37% | 59.05% | +257 bps | |
| Liquid Assets / Assets | 8.88% | 7.50% | 7.78% | 8.49% | 4.48% | 0.21% | 0.22% | 0.23% | -826 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |