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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | -0.27% | 0.00% | -0.07% | -0.11% | -0.39% | -0.01% | -0.74% | -67 bps | |
| Return on Equity | 0.64% | -2.41% | -0.03% | -0.70% | -1.06% | -3.70% | -0.06% | -6.88% | -618 bps | |
| Net Interest Margin | 3.33% | 3.35% | 3.40% | 3.27% | 3.87% | 3.13% | 3.45% | 3.10% | -17 bps | |
| Efficiency Ratio | 98.68% | 107.43% | 100.07% | 101.91% | 87.47% | 110.27% | 100.15% | 119.95% | +1,804 bps | |
| Non-Interest Burden | 3.27% | 3.64% | 3.40% | 3.34% | 3.31% | 3.51% | 3.46% | 3.85% | +51 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 | 0.45% | 0.44% | 0.56% | -0.32% | 0.75% | 0.11% | -0.03% | -0.04% | +28 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 |