Ojai, CA · Cert 57850
FDIC · 4 branches
Q3 2017
Market Position · Oxnard-Thousand Oaks-Ventura, CA · 2017 SOD (annual) · 1.1% share · #13 of 24 inst. · $0.2B of $18.8B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.67% | 0.69% | 0.72% | 0.59% | -3 bps | |
| Return on Equity | 6.87% | 7.44% | 7.53% | 7.84% | 6.41% | -46 bps | |
| Net Interest Margin | 3.57% | 3.53% | 3.82% | 3.68% | 3.65% | +8 bps | |
| Efficiency Ratio | 70.91% | 69.39% | 68.01% | 68.16% | 74.28% | +337 bps | |
| Non-Interest Burden | 2.46% | 2.37% | 2.46% | 2.39% | 2.63% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.89% | 20.46% | 22.04% | 15.20% | 5.53% | -2,636 bps | |
| Loan Growth (YoY) | 26.16% | 18.57% | 17.01% | 6.60% | 10.45% | -1,571 bps | |
| Deposit Growth (YoY) | 29.74% | 17.58% | 27.35% | 19.71% | 8.49% | -2,125 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.08% | 0.00% | -0.04% | -0.02% | +8 bps | |
| Allowance / Loans | 1.29% | 1.27% | 1.28% | 1.35% | 1.27% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.11% | 9.24% | 9.29% | 9.08% | 9.11% | 0 bps | |
| Total Risk-Based Capital | 12.36% | 12.56% | 12.26% | 12.43% | 12.08% | -29 bps | |
| Equity / Assets | 8.87% | 9.36% | 9.05% | 9.02% | 9.27% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.49% | 100.16% | 96.53% | 91.15% | 96.19% | +170 bps | |
| Liquid Assets / Assets | 3.01% | 2.67% | 2.54% | 2.49% | 2.13% | -88 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |