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Tehama Bank

Red Bluff, CA · Cert 25594

FDIC

Q1 2002

$257.3MAssets
$179.9MLoans
$233.9MDeposits
$19.7MEquity
Loan mix
45%RE $28.0M51%C&I $32.0M4%Consumer $2.4MQ1 2001Q1 2002
Deposit mix
75%Interest-bearing $174.3M25%Noninterest $59.6MQ1 2001Q1 2002

NIM

7.21%Q1 ’016.03%Q1 ’02+17%

Non-interest income vs. expense

4.57%Q1 ’013.57%Q1 ’02-28%

Executive Summary

  • Earnings: ROA of 1.33%, up 132 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 76.90% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

1.33%+132 bps YoY

Net Interest Margin (YTD, annualized)

4.58%+66 bps YoY

Efficiency Ratio (YTD, annualized)

61.15%-2,631 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.01%10.58%0.72%0.56%1.33%+132 bps
Return on Equityn/an/an/an/a17.07%n/an/a
Net Interest Margin3.92%3.85%3.74%3.71%4.58%+66 bps
Efficiency Ratio87.46%74.55%70.79%76.74%61.15%-2,631 bps
Non-Interest Burden3.27%2.51%2.27%2.55%2.34%-92 bps
Growth
Asset Growth (YoY)10.66%11.68%12.59%11.99%7.00%-366 bps
Loan Growth (YoY)13.23%10.77%7.13%4.76%3.57%-966 bps
Deposit Growth (YoY)14.21%13.52%15.15%16.46%6.38%-783 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.83%0.51%0.37%0.37%-0.03%-86 bps
Allowance / Loans1.33%1.37%1.45%1.57%1.63%+30 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 Capital10.44%10.64%10.05%11.66%10.84%+41 bps
Equity / Assets7.59%7.50%6.95%7.93%7.65%+6 bps
Liquidity & Funding
Loans / Deposits78.99%76.88%73.99%73.15%76.90%-209 bps
Liquid Assets / Assets0.00%0.04%0.10%0.17%0.36%+36 bps
CRE / Total Capitaln/an/an/an/an/an/an/a