# VENTURA COUNTY BUSINESS BANK
OXNARD, CA · FDIC certificate 57441 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $77.9M | |
| Deposits | $66.9M | |
| Loans and leases | $40.5M | |
| Total equity | $2.9M | |
| Loans / deposits | 56.56% (p23 of band) | 71.80% |
| Liquid assets / assets | 47.66% (p78 of band) | |
| Uninsured deposits / deposits | 4.17% (p25 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.26% (p81 of band) | |
| FHLB advances / assets | 10.26% | |
| Tier 1 leverage | 2.73% (p1 of band) | 9.80% |
| Unrealized securities loss / equity | 25.89% (p96 of band) | 2.62% |
| AOCI / equity | 13.48% (p99 of band) | |
| ROA (annualized) | -2.32% (p4 of band) | 0.68% |
| Net interest margin | 3.54% (p33 of band) | 3.84% |
| Efficiency ratio | 163.67% (p98 of band) | |
| Noncurrent loans | 4.85% (p84 of band) | 1.53% |
| Net charge-offs (annualized) | -1.69% (p0 of band) | |
| Reserve coverage of noncurrent | 136.17% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 162.50% (p97 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, losing money, expense ratio p90, construction >100% equity |  |
| 2011-06 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2011-07-17 [Investment Officer Buys Into Running His Own Firm - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYXJ3VnVRRGc5cTZKSmpFX0toUFNJUF9uQ2FTY3VrNFNZUE9qbURjQ1Q1TTRWendQZ3VnNEtXSnphdVBSQ1lFSlZOUjEwLThDNmxnX2N5S2IwaF80eVE5NmRlX3hrSWRVS05aSXNIMnFhWTJNR2s2b0tQb21oM1hrd1Ytbl96aV94Ti0w?oc=5) · Los Angeles Business Journal
- 2012-10-16 [Prosecutors outline murder suspect Kelly Soo Park's alleged history of intimidation - CBS News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQZzU3X2JEOTZPMlpZNFpLanpaQVE5WEFjMTFvRFZ2WjJibWNyWGd4SXprMnV1Ym5JX1dIcC1GNEpKZ0sySlhnVjJQY3FkWXBEbkRWUmx6QjBiOU9hOXZsNlRjbkkzQU1IbmJVWFd5eFFIZUdzbHFvZDlxaHNVek9uOWlGMUVkeWpyUmNhNFotbWxNZHctQVVvb2l4ekdhOUQ2X1BZVmhBeE55ZGZ6YV9lclhB?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57441 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "57441", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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