PackageTrendsPeer
Letter portraitLegal landscape

Delta National Bank

Manteca, CA · Cert 21147

FDIC · 4 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Delta National Bank

Manteca, CA · Cert 21147

FDIC · 4 branches

Q3 2016

$112.2MAssets
$41.0MLoans
$104.4MDeposits
$7.5MEquity
Loan mix
83%RE $19.8M17%C&I $4.1M0%Consumer $0.0MQ3 2015Q3 2016
Deposit mix
69%Interest-bearing $71.9M31%Noninterest $32.4MQ3 2015Q3 2016

NIM

2.59%Q3 ’142.57%Q3 ’152.81%Q3 ’16-1%+10%

Non-interest income vs. expense

4.23%Q3 ’144.27%Q3 ’154.81%Q3 ’16+38%+20%

Market Position · Stockton-Lodi, CA · 2016 SOD (annual) · 0.5% share · #17 of 19 inst. · $0.1B of $9.3B

0.5% San Joaquin
0.7% Stanislaus

Executive Summary

  • Earnings: ROA of -1.48%, down 21 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.92%.
  • Capital: tier 1 leverage ratio of 7.06%, down 97 bps from a year ago.
  • Funding: loans stand at 39.32% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.48%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+24 bps YoY

Efficiency Ratio (YTD, annualized)

159.43%+1,753 bps YoY

Tier 1 Leverage Ratio

7.06%-97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.27%-0.38%-0.70%-0.51%-1.48%-21 bps
Return on Equity-14.80%-4.46%-8.43%-6.25%-19.10%-430 bps
Net Interest Margin2.54%2.53%2.76%2.94%2.78%+24 bps
Efficiency Ratio141.89%109.97%122.64%132.35%159.43%+1,753 bps
Non-Interest Burden3.80%2.90%3.45%3.95%4.57%+77 bps
Growth
Asset Growth (YoY)2.56%0.17%1.67%6.41%7.64%+508 bps
Loan Growth (YoY)11.94%19.78%11.12%7.38%5.71%-623 bps
Deposit Growth (YoY)2.46%0.81%2.24%7.49%9.11%+665 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.19%0.03%0.00%-1.38%-0.92%-110 bps
Allowance / Loans1.41%1.39%1.38%1.44%1.43%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.03%8.49%8.32%7.98%7.06%-97 bps
Total Risk-Based Capital18.17%19.08%18.66%19.87%17.68%-49 bps
Equity / Assets7.92%8.53%8.07%7.76%6.66%-126 bps
Liquidity & Funding
Loans / Deposits40.59%45.56%43.88%40.77%39.32%-126 bps
Liquid Assets / Assets7.24%6.66%5.48%4.20%1.64%-560 bps
CRE / Total Capitaln/an/an/an/an/an/an/a