Thousand Oaks, CA · Cert 58026
FDIC
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.53% | -2.88% | -2.74% | -2.64% | -2.70% | -17 bps | |
| Return on Equity | -2.54% | -2.89% | -2.74% | -2.65% | -2.71% | -17 bps | |
| Net Interest Margin | 0.16% | 0.00% | 0.16% | 0.00% | 0.17% | 0 bps | |
| Efficiency Ratio | 182.09% | 201% | 193.14% | 184.48% | 192.62% | +1,054 bps | |
| Non-Interest Burden | 3.72% | 3.80% | 3.78% | 3.49% | 3.76% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 99.43% | 99.36% | 99.43% | 99.32% | 99.21% | -22 bps | |
| Total Risk-Based Capital | 479% | 475% | 472% | 467% | 457% | -2,185 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |