PackageTrendsPeer
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Community Bank of Central California

Salinas, CA · Cert 24243

FDIC

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Community Bank of Central California

Salinas, CA · Cert 24243

FDIC

Q4 2005

$1.2BAssets
$969.7MLoans
$1.1BDeposits
$106.4MEquity
Loan mix
49%RE $175.7M50%C&I $181.7M1%Consumer $2.7MQ4 2004Q4 2005
Deposit mix
68%Interest-bearing $758.4M32%Noninterest $360.4MQ4 2004Q4 2005

NIM

5.01%Q4 ’035.01%Q4 ’046.11%Q4 ’05+4%+18%

Non-interest income vs. expense

2.39%Q4 ’032.28%Q4 ’042.23%Q4 ’050%0%

Executive Summary

  • Earnings: ROA of 1.66%, up 43 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.35%.
  • Funding: loans stand at 86.67% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.66%+43 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+72 bps YoY

Efficiency Ratio (YTD, annualized)

44.13%-781 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.23%1.31%1.41%1.54%1.66%+43 bps
Return on Equity14.80%16.05%17.27%18.79%20.09%+528 bps
Net Interest Margin3.99%4.47%4.43%4.43%4.71%+72 bps
Efficiency Ratio51.94%47.96%48.24%46.97%44.13%-781 bps
Non-Interest Burden1.88%1.97%1.95%1.90%1.88%0 bps
Growth
Asset Growth (YoY)12.27%14.42%19.02%14.29%7.61%-466 bps
Loan Growth (YoY)19.14%19.92%16.82%9.52%4.47%-1,467 bps
Deposit Growth (YoY)12.08%14.70%18.58%14.97%6.01%-608 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%0.06%0.03%0.02%-0.35%-72 bps
Allowance / Loans1.75%1.87%1.88%1.91%2.18%+42 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 Capital10.55%11.05%11.31%11.56%11.58%+104 bps
Equity / Assets8.07%8.27%8.15%8.36%8.55%+48 bps
Liquidity & Funding
Loans / Deposits87.95%87.67%82.68%83.43%86.67%-128 bps
Liquid Assets / Assets0.01%0.01%0.27%0.33%0.32%+31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a