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Community Bank

Pasadena, CA · Cert 24315

FDIC · 17 branches

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

Pasadena, CA · Cert 24315

FDIC · 17 branches

Q2 2018

$3.7BAssets
$2.8BLoans
$2.9BDeposits
$353.9MEquity
Loan mix
70%RE $1.4B29%C&I $0.6B0%Consumer $0.0BQ2 2017Q2 2018
Deposit mix
56%Interest-bearing $1.6B44%Noninterest $1.3BQ2 2017Q2 2018

NIM

3.53%Q2 ’163.57%Q2 ’173.87%Q2 ’18-2%+7%

Non-interest income vs. expense

2.13%Q2 ’162.02%Q2 ’172.21%Q2 ’18+5%+14%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.4% share · #28 of 121 inst. · $2.3B of $536.2B

0.9% Los Angeles
0.4% Orange
1.7% San Bernardino
0.7% Riverside

Executive Summary

  • Earnings: ROA of 0.85%, down 3 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.38% of loans (-8 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.88%, up 50 bps from a year ago.
  • Funding: loans stand at 97.22% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.85%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+22 bps YoY

Efficiency Ratio (YTD, annualized)

61.67%+251 bps YoY

Tier 1 Leverage Ratio

9.88%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.88%0.95%0.72%0.86%0.85%-3 bps
Return on Equity9.59%10.26%7.77%9.12%8.99%-60 bps
Net Interest Margin3.14%3.16%3.17%3.37%3.36%+22 bps
Efficiency Ratio59.15%60.24%61.41%64.05%61.67%+251 bps
Non-Interest Burden1.74%1.80%1.85%2.07%1.98%+24 bps
Growth
Asset Growth (YoY)3.15%5.75%4.53%2.63%-0.94%-410 bps
Loan Growth (YoY)4.33%7.41%9.84%9.86%5.12%+79 bps
Deposit Growth (YoY)1.17%6.99%6.65%6.72%4.30%+313 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.15%0.33%0.36%0.38%-8 bps
Net Charge-Offs / Loans-0.02%-0.24%-0.17%0.00%0.08%+10 bps
Allowance / Loans1.31%1.32%1.29%1.30%1.34%+2 bps
Allowance Coverage of NPLs2.9x8.9x3.9x3.6x3.5x+0.7x
Capital
Tier 1 Leverage Ratio9.39%9.50%9.43%9.66%9.88%+50 bps
Total Risk-Based Capital12.11%12.29%12.04%12.26%12.50%+39 bps
Equity / Assets9.25%9.53%9.40%9.41%9.53%+28 bps
Liquidity & Funding
Loans / Deposits96.46%93.59%95.79%97.91%97.22%+76 bps
Liquid Assets / Assets0.60%0.27%0.33%0.35%0.62%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a