PackageTrendsPeer
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Bank of Walnut Creek

Walnut Creek, CA · Cert 23273

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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

Bank of Walnut Creek

Walnut Creek, CA · Cert 23273

FDIC

Q3 2006

$542.5MAssets
$440.8MLoans
$396.0MDeposits
$54.8MEquity
Loan mix
49%RE $62.5M51%C&I $65.8M0%Consumer $0.6MQ3 2005Q3 2006
Deposit mix
64%Interest-bearing $252.5M36%Noninterest $143.5MQ3 2005Q3 2006

NIM

5.60%Q3 ’046.27%Q3 ’057.47%Q3 ’06+6%+10%

Non-interest income vs. expense

3.45%Q3 ’043.13%Q3 ’053.17%Q3 ’06-6%+2%

Executive Summary

  • Earnings: ROA of 1.68%, up 24 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 111.31% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

1.68%+24 bps YoY

Net Interest Margin (YTD, annualized)

5.46%+48 bps YoY

Efficiency Ratio (YTD, annualized)

53.97%-397 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.44%1.54%1.52%1.63%1.68%+24 bps
Return on Equity16.49%17.50%16.97%18.18%18.17%+168 bps
Net Interest Margin4.98%4.99%5.43%5.30%5.46%+48 bps
Efficiency Ratio57.94%55.86%57.99%56.18%53.97%-397 bps
Non-Interest Burden2.71%2.60%2.98%2.80%2.75%+5 bps
Growth
Asset Growth (YoY)9.65%9.99%9.06%9.49%1.51%-814 bps
Loan Growth (YoY)3.63%5.88%10.15%12.73%12.10%+847 bps
Deposit Growth (YoY)9.66%6.94%4.92%1.48%-8.82%-1,848 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.04%-0.02%0.03%-0.03%-9 bps
Allowance / Loans1.90%1.86%1.77%1.68%1.72%-18 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 Capital11.58%11.60%11.61%11.63%12.34%+76 bps
Equity / Assets8.74%8.99%8.87%9.11%10.09%+135 bps
Liquidity & Funding
Loans / Deposits90.54%94.80%97.67%104.12%111.31%+2,077 bps
Liquid Assets / Assets2.65%2.46%2.17%2.08%1.78%-87 bps
CRE / Total Capitaln/an/an/an/an/an/an/a