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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

2.76%Q1 ’094.59%Q2 ’09+49%

Non-interest income vs. expense

47.13%Q1 ’0929.76%Q2 ’09-51%

Executive Summary

  • Earnings: ROA of -21.57%; NIM at 3.19%.
  • 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 (quarter, annualized)

-21.57%

Net Interest Margin (quarter, annualized)

3.19%

Efficiency Ratio (quarter, annualized)

302%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-46.05%-43.33%-21.57%n/a
Return on Equityn/a-61.39%-44.70%n/a
Net Interest Margin2.58%2.14%3.19%n/a
Efficiency Ratio1776%2131%302%n/a
Non-Interest Burdenn/a47.05%23.09%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