North Valley Bank

Redding, CA · Cert 20959

FDIC · 22 branches

Q3 2014

$921.8MAssets

$514.7MLoans

$789.2MDeposits

$116.1MEquity

Loan mix

Deposit mix

NIM

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

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.

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.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.61%	0.60%	0.67%	0.72%	0.74%	+13 bps
Return on Equity	4.90%	4.87%	5.58%	5.99%	6.07%	+117 bps
Net Interest Margin	3.42%	3.39%	3.45%	3.37%	3.33%	-10 bps
Efficiency Ratio	81.33%	81.40%	77.35%	77.22%	76.67%	-466 bps
Non-Interest Burden	2.55%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.30%	0.23%	0.19%	0.11%	0.17%	-13 bps
Allowance / Loans	1.83%	1.83%	1.78%	1.78%	1.68%	-15 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	18.54%	18.68%	19.05%	19.23%	19.54%	+100 bps
Equity / Assets	12.35%	11.82%	12.11%	12.30%	12.59%	+24 bps
Liquidity & Funding
Loans / Deposits	65.25%	64.41%	64.52%	63.41%	65.21%	-4 bps
Liquid Assets / Assets	0.25%	0.25%	0.25%	0.24%	0.24%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a