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Humboldt Bank

Eureka, CA · Cert 27582

FDIC

Q2 2004

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 2004, the quarter ended June 30, 2004, 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

Humboldt Bank

Eureka, CA · Cert 27582

FDIC

Q2 2004

$1.5BAssets
$1.1BLoans
$1.2BDeposits
$203.8MEquity
Loan mix
46%RE $141.0M53%C&I $160.0M1%Consumer $2.7MQ2 2003Q2 2004
Deposit mix
79%Interest-bearing $929.3M21%Noninterest $247.6MQ2 2003Q2 2004

NIM

6.60%Q2 ’025.86%Q2 ’035.37%Q2 ’04-5%-2%

Non-interest income vs. expense

5.07%Q2 ’023.92%Q2 ’033.52%Q2 ’04-258%+177%

Executive Summary

  • Earnings: ROA of 1.20%, down 378 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 90.38% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

1.20%-378 bps YoY

Net Interest Margin (YTD, annualized)

4.59%-7 bps YoY

Efficiency Ratio (YTD, annualized)

62.74%+3,048 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets4.98%3.81%3.12%1.29%1.20%-378 bps
Return on Equity51.30%38.23%30.79%10.11%9.04%-4,227 bps
Net Interest Margin4.67%4.16%4.80%4.57%4.59%-7 bps
Efficiency Ratio32.26%37.83%42.39%66.05%62.74%+3,048 bps
Non-Interest Burden-3.41%-1.29%-0.38%2.79%2.61%+602 bps
Growth
Asset Growth (YoY)8.88%2.28%1.41%35.58%38.34%+2,945 bps
Loan Growth (YoY)7.20%0.62%0.63%34.78%38.94%+3,173 bps
Deposit Growth (YoY)8.60%3.78%0.99%31.54%34.92%+2,632 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.13%0.12%0.05%0.10%0 bps
Allowance / Loans1.59%1.59%1.59%1.60%1.69%+11 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 Capital12.06%12.58%12.75%12.42%12.29%+24 bps
Equity / Assets10.15%10.71%10.81%14.22%13.96%+382 bps
Liquidity & Funding
Loans / Deposits87.76%90.16%90.05%88.79%90.38%+262 bps
Liquid Assets / Assets0.01%0.00%0.00%0.21%0.00%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a