Santa Barbara, CA · Cert 58098
FDIC · 2 branches
Q4 2015
Market Position · Santa Maria-Santa Barbara, CA · 2015 SOD (annual) · 1.2% share · #15 of 21 inst. · $0.2B of $12.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | 1.31% | 0.01% | -0.62% | -2.54% | -191 bps | |
| Return on Equity | -6.50% | 13.74% | 0.07% | -6.89% | -28.91% | -2,240 bps | |
| Net Interest Margin | 3.91% | 4.13% | 3.84% | 4.12% | 3.81% | -11 bps | |
| Efficiency Ratio | 107.73% | 94.09% | 99.84% | 114.14% | 110.09% | +236 bps | |
| Non-Interest Burden | 4.23% | 3.83% | 3.81% | 4.71% | 4.20% | -3 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.44% | -1.15% | 0.00% | -0.10% | 3.27% | +183 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.35% | 1.35% | 1.29% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 9.23% | 8.60% | 8.78% | 7.80% | n/a | |
| Total Risk-Based Capital | 10.60% | 11.96% | 11.34% | 11.19% | 10.13% | -47 bps | |
| Equity / Assets | 9.99% | 9.12% | 9.06% | 8.96% | 8.64% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.25% | 84.54% | 86.13% | 82.19% | 88.32% | -793 bps | |
| Liquid Assets / Assets | 10.69% | 18.60% | 14.48% | 13.05% | 10.37% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |