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North Valley Bank

Redding, CA · Cert 20959

FDIC · 22 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

North Valley Bank

Redding, CA · Cert 20959

FDIC · 22 branches

Q3 2014

$921.8MAssets
$514.7MLoans
$789.2MDeposits
$116.1MEquity
Loan mix
85%RE $278.5M13%C&I $44.1M1%Consumer $4.2MQ3 2013Q3 2014
Deposit mix
74%Interest-bearing $586.1M26%Noninterest $203.1MQ3 2013Q3 2014

NIM

3.74%Q3 ’123.55%Q3 ’133.42%Q3 ’14-1%-3%

Non-interest income vs. expense

3.83%Q3 ’123.90%Q3 ’133.52%Q3 ’14+5%-11%

Market Position · Redding, CA · 2014 SOD (annual) · 15.0% share · #2 of 15 inst. · $0.4B of $2.7B

15.0% Shasta
8.9% Humboldt
2.5% Yolo
59.0% Trinity

Executive Summary

  • Earnings: ROA of 0.74%, up 13 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 65.21% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.74%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-10 bps YoY

Efficiency Ratio (YTD, annualized)

76.67%-466 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.61%0.60%0.67%0.72%0.74%+13 bps
Return on Equity4.90%4.87%5.58%5.99%6.07%+117 bps
Net Interest Margin3.42%3.39%3.45%3.37%3.33%-10 bps
Efficiency Ratio81.33%81.40%77.35%77.22%76.67%-466 bps
Non-Interest Burden2.55%2.54%2.40%2.33%2.28%-27 bps
Growth
Asset Growth (YoY)2.18%1.58%0.77%1.78%1.61%-57 bps
Loan Growth (YoY)3.92%3.46%3.98%0.46%1.10%-282 bps
Deposit Growth (YoY)2.80%2.73%1.46%4.28%1.16%-165 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.23%0.19%0.11%0.17%-13 bps
Allowance / Loans1.83%1.83%1.78%1.78%1.68%-15 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.54%18.68%19.05%19.23%19.54%+100 bps
Equity / Assets12.35%11.82%12.11%12.30%12.59%+24 bps
Liquidity & Funding
Loans / Deposits65.25%64.41%64.52%63.41%65.21%-4 bps
Liquid Assets / Assets0.25%0.25%0.25%0.24%0.24%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a