Ventura, CA · Cert 57423
FDIC · 3 branches
Q4 2015
Market Position · Oxnard-Thousand Oaks-Ventura, CA · 2015 SOD (annual) · 1.2% share · #12 of 26 inst. · $0.2B of $17.3B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.81% | 0.79% | 0.79% | 0.76% | 0.82% | 0.84% | 0.75% | -5 bps | |
| Return on Equity | 8.31% | 9.02% | 8.82% | 8.89% | 8.51% | 9.05% | 9.19% | 8.07% | -82 bps | |
| Net Interest Margin | 2.93% | 2.86% | 2.80% | 2.77% | 3.03% | 3.11% | 3.17% | 3.17% | +39 bps | |
| Efficiency Ratio | 57.71% | 60.87% | 59.75% | 58.45% | 58.06% | 56.07% | 56.19% | 60.51% | +206 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.61% | 1.56% | 1.68% | 1.67% | 1.69% | 1.84% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.09% | 16.59% | 16.39% | 12.96% | 7.27% | 6.75% | 1.82% | 1.39% | -1,157 bps | |
| Loan Growth (YoY) | 5.09% | 5.87% | 11.53% | 10.36% | 18.77% | 15.17% | 20.53% | 17.14% | +678 bps | |
| Deposit Growth (YoY) | 16.63% | 17.64% | 17.34% | 11.14% | 6.11% | 3.36% | -0.60% | 4.79% | -636 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.08% | 1.80% | 1.74% | 1.67% | 1.59% | 1.56% | 1.45% | 1.43% | -24 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 | 9.18% | 9.38% | 9.56% | 9.59% | n/a | |
| Total Risk-Based Capital | 16.90% | 16.66% | 16.61% | 16.31% | 15.43% | 15.68% | 15.10% | 15.00% | -131 bps | |
| Equity / Assets | 8.81% | 9.07% | 8.68% | 8.89% | 9.01% | 9.32% | 9.37% | 9.65% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.15% | 62.39% | 59.90% | 65.16% | 66.20% | 69.52% | 72.64% | 72.84% | +768 bps | |
| Liquid Assets / Assets | 43.16% | 40.43% | 42.96% | 41.02% | 37.77% | 36.67% | 32.25% | 31.24% | -977 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |