PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Banco Buenaventura

Oxnard, CA · Cert 58897

FDIC

Q2 2009

$16.2MAssets
$7.3MLoans
$9.4MDeposits
$6.7MEquity
Deposit mix
92%Interest-bearing $8.7M8%Noninterest $0.7MQ4 2008Q2 2009

NIM

4.42%Q4 ’082.76%Q1 ’093.28%Q2 ’09-51%+10%

Non-interest income vs. expense

83.02%Q4 ’0847.13%Q1 ’0931.73%Q2 ’09-43%-40%

Executive Summary

  • Earnings: ROA of -31.18%; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 77.50% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-31.18%

Net Interest Margin (YTD, annualized)

2.36%

Efficiency Ratio (YTD, annualized)

555%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-46.05%-43.33%-31.18%n/a
Return on Equityn/a-61.39%-53.36%n/a
Net Interest Margin4.38%2.14%2.36%n/a
Efficiency Ratio1776%2131%555%n/a
Non-Interest Burden82.73%47.05%28.37%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%0.00%n/a
Net Charge-Offs / Loansn/a0.00%0.00%n/a
Allowance / Loansn/a0.30%0.62%n/a
Allowance Coverage of NPLsn/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a
Total Risk-Based Capital250%153.60%108.20%n/a
Equity / Assets88.60%57.00%41.16%n/a
Liquidity & Funding
Loans / Deposits0.00%54.48%77.50%n/a
Liquid Assets / Assets0.00%0.00%0.00%n/a
CRE / Total Capitaln/an/an/an/an/a