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Orange County Business Bank, National Association

Newport Beach, CA · Cert 57338

FDIC · 1 branch

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Orange County Business Bank, National Association

Newport Beach, CA · Cert 57338

FDIC · 1 branch

Q4 2015

$190.0MAssets
$128.9MLoans
$126.3MDeposits
$48.0MEquity
Loan mix
65%RE $75.0M35%C&I $40.9M0%Consumer $0.3MQ4 2014Q4 2015
Deposit mix
64%Interest-bearing $80.4M36%Noninterest $45.9MQ4 2014Q4 2015

NIM

3.11%Q4 ’133.25%Q4 ’143.32%Q4 ’15+5%+4%

Non-interest income vs. expense

3.02%Q4 ’132.98%Q4 ’143.43%Q4 ’15-2%+16%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 0.0% share · #91 of 131 inst. · $0.1B of $439.1B

Executive Summary

  • Earnings: ROA of 0.59%, down 306 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.79%.
  • Capital: tier 1 leverage ratio of 22.48%.
  • Funding: loans stand at 102.07% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

0.59%-306 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+12 bps YoY

Efficiency Ratio (YTD, annualized)

104.88%+1,170 bps YoY

Tier 1 Leverage Ratio

22.48%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets3.65%0.16%1.32%0.82%0.59%-306 bps
Return on Equity17.91%0.71%5.67%3.50%2.47%-1,544 bps
Net Interest Margin2.94%3.05%3.16%2.95%3.05%+12 bps
Efficiency Ratio93.19%101.17%103.63%104.04%104.88%+1,170 bps
Non-Interest Burden2.72%3.04%3.22%3.03%3.16%+44 bps
Growth
Asset Growth (YoY)10.49%5.08%0.87%-0.27%-7.76%-1,826 bps
Loan Growth (YoY)16.05%12.00%12.70%9.98%1.21%-1,484 bps
Deposit Growth (YoY)-4.64%-1.64%-5.80%-5.03%1.92%+657 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.72%-0.04%-3.54%-2.27%-1.79%-7 bps
Allowance / Loans1.42%1.34%1.33%1.33%1.40%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a22.18%23.34%21.78%22.48%n/a
Total Risk-Based Capital33.67%32.70%35.73%35.67%38.34%+467 bps
Equity / Assets22.64%23.29%23.99%23.93%25.24%+260 bps
Liquidity & Funding
Loans / Deposits102.79%96.49%101.76%100.23%102.07%-72 bps
Liquid Assets / Assets11.09%16.44%16.28%14.66%13.89%+280 bps
CRE / Total Capitaln/an/an/an/an/an/an/a