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Letter portraitLegal landscapeQuarterYTD

Camarillo Community Bank

Camarillo, CA · Cert 22819

FDIC

Q1 2013

$1.7BAssets
$1.1BLoans
$1.4BDeposits
$260.0MEquity
Loan mix
80%RE $666.1M19%C&I $159.6M1%Consumer $4.2MQ1 2012Q1 2013
Deposit mix
60%Interest-bearing $819.3M40%Noninterest $543.9MQ1 2012Q1 2013

NIM

3.81%Q1 ’114.05%Q1 ’123.48%Q1 ’13+17%-12%

Non-interest income vs. expense

4.15%Q1 ’113.08%Q1 ’123.71%Q1 ’13+152%+30%

Executive Summary

  • Earnings: ROA of 0.23%, down 53 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 82.74% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.23%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-43 bps YoY

Efficiency Ratio (YTD, annualized)

90.61%+2,439 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.76%0.77%0.79%0.63%0.23%-53 bps
Return on Equity5.64%5.80%5.93%4.73%1.59%-405 bps
Net Interest Margin3.55%3.48%3.43%3.45%3.11%-43 bps
Efficiency Ratio66.22%68.49%67.41%71.86%90.61%+2,439 bps
Non-Interest Burden2.17%2.19%2.11%2.60%2.82%+65 bps
Growth
Asset Growth (YoY)2.69%9.87%10.42%4.40%-7.31%-999 bps
Loan Growth (YoY)1.10%5.78%10.01%8.60%-0.92%-203 bps
Deposit Growth (YoY)4.14%11.56%13.11%6.06%-7.59%-1,173 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.07%0.11%0.09%-0.04%-7 bps
Allowance / Loans1.59%1.59%1.55%1.56%1.62%+3 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 Capital16.73%16.80%17.10%18.16%18.96%+223 bps
Equity / Assets13.41%12.93%13.14%13.75%14.93%+152 bps
Liquidity & Funding
Loans / Deposits77.16%73.32%73.18%76.81%82.74%+557 bps
Liquid Assets / Assets2.67%3.71%2.75%7.68%5.26%+259 bps
CRE / Total Capitaln/an/an/an/an/an/an/a