Thousand Oaks, CA · Cert 58026
FDIC
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Thousand Oaks, CA · Cert 58026
FDIC
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 14.80% | 5.89% | 2.86% | 1.52% | -2.88% | -2.81% | -2.75% | -2.74% | -425 bps | |
| Return on Equity | 14.88% | 5.91% | 2.87% | 1.52% | -2.89% | -2.82% | -2.76% | -2.75% | -427 bps | |
| Net Interest Margin | 0.00% | 0.08% | 0.05% | 0.08% | 0.00% | 0.08% | 0.06% | 0.08% | 0 bps | |
| Efficiency Ratio | 33.05% | 53.34% | 69.70% | 81.40% | 201% | 197.09% | 192.69% | 192.67% | +11,127 bps | |
| Non-Interest Burden | -19.31% | -7.58% | -3.69% | -1.86% | 3.80% | 3.80% | 3.71% | 3.74% | +560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 1.55% | 1.02% | 1.19% | -2.80% | -2.76% | -2.55% | -2.60% | -378 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 100.97% | 99.46% | 99.33% | 99.43% | 99.36% | 99.43% | 99.32% | 99.21% | -22 bps | |
| Total Risk-Based Capital | 482% | 478% | 473% | 479% | 475% | 472% | 467% | 457% | -2,185 bps | |
| Equity / Assets | 99.77% | 99.67% | 99.59% | 99.56% | 99.71% | 99.63% | 99.46% | 99.44% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |