PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Recontrust Company, National Association

Thousand Oaks, CA · Cert 58026

FDIC

Q4 2019

$350.1MAssets
n/aLoans
n/aDeposits
$348.1MEquity

Executive Summary

  • Earnings: ROA of -2.70%, down 17 bps year over year; NIM at 0.17%.
  • Capital: tier 1 leverage ratio of 99.21%, down 22 bps from a year ago.

Return on Assets (quarter, annualized)

-2.70%-17 bps YoY

Net Interest Margin (quarter, annualized)

0.17%0 bps YoY

Efficiency Ratio (quarter, annualized)

192.62%+1,054 bps YoY

Tier 1 Leverage Ratio

99.21%-22 bps YoY

NIM

0.16%Q4 ’170.16%Q4 ’180.17%Q4 ’19-1%+3%

Non-interest income vs. expense

12.57%Q4 ’177.90%Q4 ’187.47%Q4 ’19+39%+1%

Discrete quarter, annualized.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets14.80%-2.96%-3.19%-2.53%-2.88%-2.74%-2.64%-2.70%-17 bps
Return on Equity14.88%-2.96%-3.20%-2.54%-2.89%-2.74%-2.65%-2.71%-17 bps
Net Interest Margin0.00%0.16%0.00%0.16%0.00%0.16%0.00%0.17%0 bps
Efficiency Ratio33.05%190.89%205%182.09%201%193.14%184.48%192.62%+1,054 bps
Non-Interest Burden-19.31%4.00%4.20%3.72%3.80%3.78%3.49%3.76%+4 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.97%99.46%99.33%99.43%99.36%99.43%99.32%99.21%-22 bps
Total Risk-Based Capital482%478%473%479%475%472%467%457%-2,185 bps
Equity / Assets99.77%99.67%99.59%99.56%99.71%99.63%99.46%99.44%-12 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a