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 -2.74%, down 425 bps year over year; NIM at 0.08%.
  • Capital: tier 1 leverage ratio of 99.21%, down 22 bps from a year ago.

Return on Assets (YTD, annualized)

-2.74%-425 bps YoY

Net Interest Margin (YTD, annualized)

0.08%0 bps YoY

Efficiency Ratio (YTD, annualized)

192.67%+11,127 bps YoY

Tier 1 Leverage Ratio

99.21%-22 bps YoY

NIM

0.08%Q4 ’170.08%Q4 ’180.08%Q4 ’19-1%+3%

Non-interest income vs. expense

12.83%Q4 ’178.48%Q4 ’187.61%Q4 ’19-234%+301%

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets14.80%5.89%2.86%1.52%-2.88%-2.81%-2.75%-2.74%-425 bps
Return on Equity14.88%5.91%2.87%1.52%-2.89%-2.82%-2.76%-2.75%-427 bps
Net Interest Margin0.00%0.08%0.05%0.08%0.00%0.08%0.06%0.08%0 bps
Efficiency Ratio33.05%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/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