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Santa Ana Business Bank

Santa Ana, CA · Cert 58390

FDIC · 17 branches

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Santa Ana Business Bank

Santa Ana, CA · Cert 58390

FDIC · 17 branches

Q2 2018

$3.1BAssets
$2.4BLoans
$2.5BDeposits
$325.2MEquity
Loan mix
83%RE $1.4B14%C&I $0.2B3%Consumer $0.0BQ2 2017Q2 2018
Deposit mix
57%Interest-bearing $1.4B43%Noninterest $1.1BQ2 2017Q2 2018

NIM

3.74%Q2 ’163.90%Q2 ’174.19%Q2 ’18+2%+3%

Non-interest income vs. expense

1.90%Q2 ’161.99%Q2 ’172.78%Q2 ’18+3%+47%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.3% share · #33 of 121 inst. · $1.4B of $536.2B

0.5% Los Angeles
0.5% San Diego
0.3% Orange
1.9% Pima

Executive Summary

  • Earnings: ROA of 1.11%, up 7 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.29% of loans (-21 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.65%, down 162 bps from a year ago.
  • Funding: loans stand at 95.79% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.11%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+11 bps YoY

Efficiency Ratio (YTD, annualized)

70.68%+1,939 bps YoY

Tier 1 Leverage Ratio

8.65%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.04%1.06%0.81%1.13%1.11%+7 bps
Return on Equity8.91%8.94%6.96%10.43%10.32%+141 bps
Net Interest Margin3.63%3.72%3.71%3.71%3.74%+11 bps
Efficiency Ratio51.29%51.05%54.58%56.01%70.68%+1,939 bps
Non-Interest Burden1.76%1.80%1.93%2.02%2.58%+83 bps
Growth
Asset Growth (YoY)-1.86%-2.85%-3.98%-2.90%-4.42%-256 bps
Loan Growth (YoY)5.05%2.69%-0.26%-4.24%-1.84%-689 bps
Deposit Growth (YoY)-0.45%-2.41%-7.68%-8.00%1.52%+197 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.39%0.44%0.31%0.29%-21 bps
Net Charge-Offs / Loans0.03%0.01%0.00%0.04%0.02%-1 bps
Allowance / Loans0.75%0.78%0.80%0.79%0.78%+2 bps
Allowance Coverage of NPLs1.5x2.0x1.8x2.5x2.6x+1.1x
Capital
Tier 1 Leverage Ratio10.27%10.61%9.18%9.29%8.65%-162 bps
Total Risk-Based Capital12.65%12.83%11.26%11.63%10.98%-167 bps
Equity / Assets12.02%12.33%10.92%10.79%10.48%-153 bps
Liquidity & Funding
Loans / Deposits99.07%94.56%99.35%97.89%95.79%-328 bps
Liquid Assets / Assets5.47%6.73%5.70%7.01%4.56%-92 bps
CRE / Total Capitaln/an/an/an/an/an/an/a