PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Placer Sierra Bank

Auburn, CA · Cert 30307

FDIC

Q2 2007

$2.5BAssets
$1.8BLoans
$1.7BDeposits
$729.2MEquity
Loan mix
87%RE $934.8M13%C&I $140.3M0%Consumer $3.6MQ2 2006Q2 2007
Deposit mix
65%Interest-bearing $1.1B35%Noninterest $0.6BQ2 2006Q2 2007

NIM

5.25%Q2 ’055.65%Q2 ’060.88%Q2 ’07-3%-85%

Non-interest income vs. expense

2.87%Q2 ’052.80%Q2 ’060.63%Q2 ’07-2%-74%

Executive Summary

  • Earnings: ROA of 0.08%, down 134 bps year over year; NIM at 0.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Funding: loans stand at 103.24% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.08%-134 bps YoY

Net Interest Margin (YTD, annualized)

0.65%-381 bps YoY

Efficiency Ratio (YTD, annualized)

73.97%+2,246 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.42%1.31%1.37%1.42%0.08%-134 bps
Return on Equity9.84%8.74%8.97%8.32%0.37%-947 bps
Net Interest Margin4.47%3.89%4.09%4.66%0.65%-381 bps
Efficiency Ratio51.51%56.85%54.53%53.29%73.97%+2,246 bps
Non-Interest Burden2.02%2.02%2.02%2.22%0.53%-149 bps
Growth
Asset Growth (YoY)44.42%43.22%42.08%25.08%-6.69%-5,112 bps
Loan Growth (YoY)34.61%34.85%34.49%28.55%-0.97%-3,558 bps
Deposit Growth (YoY)39.67%38.34%37.46%16.32%-22.78%-6,246 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.05%-0.03%0.04%-0.04%-6 bps
Allowance / Loans1.21%1.22%1.21%1.22%1.68%+47 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 Capital11.27%11.33%10.98%11.65%12.33%+107 bps
Equity / Assets15.92%16.29%16.25%18.01%29.12%+1,320 bps
Liquidity & Funding
Loans / Deposits80.50%83.53%85.35%95.96%103.24%+2,273 bps
Liquid Assets / Assets0.01%0.00%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a