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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.57% | 0.60% | 0.68% | 0.81% | 0.69% | 0.74% | 0.34% | -34 bps | |
| Return on Equity | 7.62% | 6.30% | 6.72% | 7.66% | 8.89% | 7.53% | 8.14% | 3.67% | -399 bps | |
| Net Interest Margin | 4.04% | 4.08% | 3.90% | 3.70% | 3.69% | 3.82% | 3.71% | 3.76% | +7 bps | |
| Efficiency Ratio | 64.68% | 72.95% | 71.18% | 68.72% | 65.18% | 68.01% | 68.31% | 86.38% | +1,766 bps | |
| Non-Interest Burden | 2.51% | 2.90% | 2.70% | 2.46% | 2.28% | 2.46% | 2.43% | 3.22% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.87% | 23.30% | 27.04% | 31.89% | 20.46% | 22.04% | 15.20% | 5.53% | -2,636 bps | |
| Loan Growth (YoY) | 37.51% | 32.42% | 33.29% | 26.16% | 18.57% | 17.01% | 6.60% | 10.45% | -1,571 bps | |
| Deposit Growth (YoY) | 24.10% | 12.57% | 24.08% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.09% | 0.00% | -0.23% | -0.01% | 0.00% | -0.07% | 0.00% | +23 bps | |
| Allowance / Loans | 1.20% | 1.24% | 1.22% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.13% | 9.18% | 9.11% | 9.24% | 9.29% | 9.08% | 9.11% | 0 bps | |
| Total Risk-Based Capital | 12.17% | 11.93% | 11.80% | 12.36% | 12.56% | 12.26% | 12.43% | 12.08% | -29 bps | |
| Equity / Assets | 9.17% | 8.97% | 8.81% | 8.87% | 9.36% | 9.05% | 9.02% | 9.27% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.33% | 105.06% | 102.36% | 94.49% | 100.16% | 96.53% | 91.15% | 96.19% | +170 bps | |
| Liquid Assets / Assets | 3.80% | 3.67% | 3.28% | 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 | n/a | n/a | n/a |