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Sonoma Valley Bank

Sonoma, CA · Cert 27259

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

Sonoma Valley Bank

Sonoma, CA · Cert 27259

FDIC

Q2 2010

$337.1MAssets
$252.9MLoans
$255.5MDeposits
$18.6MEquity
Loan mix
91%RE $147.1M9%C&I $14.6M0%Consumer $0.6MQ2 2009Q2 2010
Deposit mix
79%Interest-bearing $201.3M21%Noninterest $54.2MQ2 2009Q2 2010

NIM

6.91%Q2 ’085.54%Q2 ’094.52%Q2 ’10-12%-18%

Non-interest income vs. expense

2.89%Q2 ’082.76%Q2 ’091.98%Q2 ’10+1%-33%

Executive Summary

  • Earnings: ROA of -0.19%, up 14 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.98%.
  • Funding: loans stand at 98.98% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-0.19%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-76 bps YoY

Efficiency Ratio (YTD, annualized)

48.76%-759 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-0.34%-7.73%-5.70%-2.97%-0.19%+14 bps
Return on Equity-3.52%-90.51%-72.76%-61.56%-3.82%-30 bps
Net Interest Margin4.30%4.02%4.07%3.53%3.55%-76 bps
Efficiency Ratio56.36%55.91%54.61%120.80%48.76%-759 bps
Non-Interest Burden2.17%2.00%1.96%4.37%1.46%-71 bps
Growth
Asset Growth (YoY)12.98%5.73%11.03%9.51%-1.44%-1,442 bps
Loan Growth (YoY)11.68%2.74%1.43%-5.37%-11.64%-2,332 bps
Deposit Growth (YoY)8.78%16.75%14.80%2.79%-4.08%-1,286 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.90%10.61%8.51%3.80%3.98%+308 bps
Allowance / Loans3.02%4.73%4.82%4.71%4.84%+182 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 Capital11.86%6.40%6.36%5.44%6.59%-527 bps
Equity / Assets9.83%5.60%5.22%4.42%5.51%-432 bps
Liquidity & Funding
Loans / Deposits107.44%93.62%92.98%94.44%98.98%-846 bps
Liquid Assets / Assets9.04%10.49%11.71%15.04%14.59%+555 bps
CRE / Total Capitaln/an/an/an/an/an/an/a