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Novato Community Bank

Novato, CA · Cert 32743

FDIC

Q3 2012

$326.5MAssets
$260.0MLoans
$246.6MDeposits
$25.3MEquity
Loan mix
91%RE $164.7M9%C&I $15.9M0%Consumer $0.2MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $187.9M24%Noninterest $58.7MQ3 2011Q3 2012

NIM

5.65%Q3 ’105.72%Q3 ’115.24%Q3 ’12+6%-6%

Non-interest income vs. expense

3.15%Q3 ’103.68%Q3 ’113.40%Q3 ’12+15%-5%

Executive Summary

  • Earnings: ROA of 0.68%, down 3 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 105.43% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.68%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.37%-26 bps YoY

Efficiency Ratio (YTD, annualized)

73.97%-13 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.71%0.72%0.57%0.64%0.68%-3 bps
Return on Equity9.07%9.18%7.34%8.21%8.71%-35 bps
Net Interest Margin4.62%4.46%4.47%4.46%4.37%-26 bps
Efficiency Ratio74.09%73.69%75.88%75.02%73.97%-13 bps
Non-Interest Burden3.34%3.20%3.36%3.31%3.17%-17 bps
Growth
Asset Growth (YoY)-0.16%5.20%4.80%5.47%3.42%+358 bps
Loan Growth (YoY)0.03%-0.97%2.28%4.43%4.84%+481 bps
Deposit Growth (YoY)-0.56%8.08%7.30%8.36%5.36%+591 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.03%0.14%0.06%0.12%+8 bps
Allowance / Loans1.68%1.68%1.65%1.62%1.58%-10 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 Capital12.45%13.07%12.64%12.34%12.34%-11 bps
Equity / Assets7.63%7.77%7.77%7.75%7.75%+11 bps
Liquidity & Funding
Loans / Deposits105.95%104.63%106.65%106.98%105.43%-52 bps
Liquid Assets / Assets1.90%14.05%12.66%12.09%10.77%+887 bps
CRE / Total Capitaln/an/an/an/an/an/an/a