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Bank of Santa Barbara

Santa Barbara, CA · Cert 58098

FDIC · 2 branches

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Santa Barbara

Santa Barbara, CA · Cert 58098

FDIC · 2 branches

Q4 2015

$177.3MAssets
$141.0MLoans
$159.7MDeposits
$15.3MEquity
Loan mix
70%RE $57.1M30%C&I $24.3M1%Consumer $0.7MQ4 2014Q4 2015
Deposit mix
66%Interest-bearing $105.2M34%Noninterest $54.5MQ4 2014Q4 2015

NIM

4.09%Q4 ’134.22%Q4 ’144.07%Q4 ’15+5%-3%

Non-interest income vs. expense

3.85%Q4 ’134.32%Q4 ’144.30%Q4 ’15+15%+0%

Market Position · Santa Maria-Santa Barbara, CA · 2015 SOD (annual) · 1.2% share · #15 of 21 inst. · $0.2B of $12.5B

Executive Summary

  • Earnings: ROA of -0.49%, down 11 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.53%.
  • Capital: tier 1 leverage ratio of 7.80%.
  • Funding: loans stand at 88.32% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.49%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-12 bps YoY

Efficiency Ratio (YTD, annualized)

104.53%+369 bps YoY

Tier 1 Leverage Ratio

7.80%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.38%1.31%0.64%0.21%-0.49%-11 bps
Return on Equity-3.70%13.74%6.87%2.28%-5.35%-164 bps
Net Interest Margin3.93%4.13%3.84%4.04%3.81%-12 bps
Efficiency Ratio100.84%94.09%96.88%102.67%104.53%+369 bps
Non-Interest Burden3.97%3.83%3.69%4.13%3.98%+1 bps
Growth
Asset Growth (YoY)4.48%15.50%15.08%6.82%10.75%+627 bps
Loan Growth (YoY)18.36%6.46%8.68%12.27%7.70%-1,067 bps
Deposit Growth (YoY)3.50%10.80%10.16%9.77%17.37%+1,386 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%-1.15%-0.56%-0.40%0.53%+29 bps
Allowance / Loans1.40%1.39%1.35%1.35%1.29%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.23%8.60%8.78%7.80%n/a
Total Risk-Based Capital10.60%11.96%11.34%11.19%10.13%-47 bps
Equity / Assets9.99%9.12%9.06%8.96%8.64%-135 bps
Liquidity & Funding
Loans / Deposits96.25%84.54%86.13%82.19%88.32%-793 bps
Liquid Assets / Assets10.69%18.60%14.48%13.05%10.37%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a