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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.48% | -0.28% | -0.38% | 1.31% | 0.64% | 0.21% | -0.49% | -11 bps | |
| Return on Equity | -2.60% | -4.56% | -2.78% | -3.70% | 13.74% | 6.87% | 2.28% | -5.35% | -164 bps | |
| Net Interest Margin | 3.79% | 4.10% | 3.79% | 3.93% | 4.13% | 3.84% | 4.04% | 3.81% | -12 bps | |
| Efficiency Ratio | 106.60% | 98.84% | 98.64% | 100.84% | 94.09% | 96.88% | 102.67% | 104.53% | +369 bps | |
| Non-Interest Burden | 4.07% | 4.05% | 3.73% | 3.97% | 3.83% | 3.69% | 4.13% | 3.98% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.71% | 0.58% | 9.54% | 4.48% | 15.50% | 15.08% | 6.82% | 10.75% | +627 bps | |
| Loan Growth (YoY) | 16.54% | 20.94% | 14.70% | 18.36% | 6.46% | 8.68% | 12.27% | 7.70% | -1,067 bps | |
| Deposit Growth (YoY) | 12.72% | 0.16% | 10.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.29% | -0.17% | 0.24% | -1.15% | -0.56% | -0.40% | 0.53% | +29 bps | |
| Allowance / Loans | 1.35% | 1.84% | 1.83% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.23% | 8.60% | 8.78% | 7.80% | n/a | |
| Total Risk-Based Capital | 11.60% | 11.57% | 11.41% | 10.60% | 11.96% | 11.34% | 11.19% | 10.13% | -47 bps | |
| Equity / Assets | 10.45% | 10.19% | 9.54% | 9.99% | 9.12% | 9.06% | 8.96% | 8.64% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.98% | 87.30% | 80.36% | 96.25% | 84.54% | 86.13% | 82.19% | 88.32% | -793 bps | |
| Liquid Assets / Assets | 13.97% | 13.94% | 14.38% | 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 | n/a | n/a | n/a |