PackageTrendsPeer
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Pacific State Bank

Stockton, CA · Cert 27090

FDIC

Q2 2010

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 2010, the quarter ended June 30, 2010, 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

Pacific State Bank

Stockton, CA · Cert 27090

FDIC

Q2 2010

$312.1MAssets
$234.8MLoans
$278.8MDeposits
$10.9MEquity
Loan mix
78%RE $143.9M20%C&I $37.3M1%Consumer $2.2MQ2 2009Q2 2010
Deposit mix
84%Interest-bearing $234.5M16%Noninterest $44.4MQ2 2009Q2 2010

NIM

6.46%Q2 ’085.17%Q2 ’094.98%Q2 ’10-12%+10%

Non-interest income vs. expense

2.32%Q2 ’083.95%Q2 ’094.36%Q2 ’10+94%+26%

Executive Summary

  • Earnings: ROA of -2.00%, up 28 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 84.22% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-2.00%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+32 bps YoY

Efficiency Ratio (YTD, annualized)

132.12%+1,930 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-2.28%-4.00%-5.62%-2.64%-2.00%+28 bps
Return on Equity-27.52%-51.33%-79.68%-69.21%-53.81%-2,630 bps
Net Interest Margin3.14%3.28%3.24%3.10%3.46%+32 bps
Efficiency Ratio112.83%105.76%148.44%149.02%132.12%+1,930 bps
Non-Interest Burden3.60%3.50%4.39%4.37%4.52%+92 bps
Growth
Asset Growth (YoY)-10.91%-9.59%-12.21%-19.47%-22.45%-1,154 bps
Loan Growth (YoY)-12.21%-16.68%-16.76%-19.78%-17.68%-546 bps
Deposit Growth (YoY)-9.40%-5.28%-5.57%-10.38%-17.20%-781 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.82%3.21%4.24%0.14%0.22%-360 bps
Allowance / Loans2.00%2.07%4.10%4.43%4.74%+274 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 Capital9.68%9.18%6.51%5.94%5.76%-392 bps
Equity / Assets7.78%6.19%3.88%3.72%3.49%-430 bps
Liquidity & Funding
Loans / Deposits84.70%83.12%79.50%84.80%84.22%-48 bps
Liquid Assets / Assets7.88%9.65%13.24%5.64%6.99%-89 bps
CRE / Total Capitaln/an/an/an/an/an/an/a