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California Bank & Trust

San Diego, CA · Cert 20852

FDIC · 98 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

California Bank & Trust

San Diego, CA · Cert 20852

FDIC · 98 branches

Q3 2015

$12.0BAssets
$8.6BLoans
$10.3BDeposits
$1.6BEquity
Loan mix
70%RE $4.4B29%C&I $1.8B0%Consumer $0.0BQ3 2014Q3 2015
Deposit mix
53%Interest-bearing $5.4B47%Noninterest $4.9BQ3 2014Q3 2015

NIM

4.35%Q3 ’133.78%Q3 ’143.34%Q3 ’15-13%-9%

Non-interest income vs. expense

3.23%Q3 ’132.92%Q3 ’142.54%Q3 ’15-6%-17%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 1.0% share · #16 of 131 inst. · $4.4B of $439.1B

4.3% San Diego
1.6% Los Angeles
1.6% Orange
0.3% San Francisco

Executive Summary

  • Earnings: ROA of 0.89%, down 6 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 10.51%.
  • Funding: loans stand at 83.75% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.89%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-33 bps YoY

Efficiency Ratio (YTD, annualized)

64.62%-252 bps YoY

Tier 1 Leverage Ratio

10.51%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.95%0.91%0.90%0.91%0.89%-6 bps
Return on Equity6.89%6.61%6.60%6.73%6.64%-24 bps
Net Interest Margin3.72%3.66%3.51%3.52%3.39%-33 bps
Efficiency Ratio67.14%66.55%65.93%65.86%64.62%-252 bps
Non-Interest Burden2.31%2.25%2.05%2.04%1.91%-40 bps
Growth
Asset Growth (YoY)3.44%3.82%4.09%6.93%7.29%+385 bps
Loan Growth (YoY)2.19%-0.45%-1.09%-1.66%0.97%-123 bps
Deposit Growth (YoY)3.10%4.07%4.45%7.71%8.35%+526 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.06%0.15%0.03%0.14%+11 bps
Allowance / Loans1.11%1.12%1.04%1.02%0.93%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.82%10.75%10.51%n/a
Total Risk-Based Capital14.29%14.18%13.75%13.83%13.61%-68 bps
Equity / Assets13.91%13.69%13.51%13.24%13.21%-70 bps
Liquidity & Funding
Loans / Deposits89.88%87.96%86.26%83.41%83.75%-613 bps
Liquid Assets / Assets13.56%14.56%15.22%16.82%15.67%+211 bps
CRE / Total Capitaln/an/an/an/an/an/an/a