PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inland Community Bank, National Association

Rialto, CA · Cert 32916

FDIC

Q3 2012

$212.3MAssets
$164.6MLoans
$173.6MDeposits
$28.5MEquity
Loan mix
89%RE $98.4M9%C&I $10.1M1%Consumer $1.5MQ4 2010Q3 2012
Deposit mix
58%Interest-bearing $100.3M42%Noninterest $73.3MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 0.23%, up 48 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Funding: loans stand at 94.78% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

0.23%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+1 bps YoY

Efficiency Ratio (YTD, annualized)

86.39%-160 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.87%Q3 ’104.45%Q3 ’114.23%Q3 ’12-1%+0%

Non-interest income vs. expense

3.39%Q3 ’104.14%Q3 ’114.20%Q3 ’12+29%-4%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.56%0.20%0.27%-0.25%-0.24%0.21%0.01%0.23%+48 bps
Return on Equity5.65%1.85%2.53%-2.25%-2.13%1.66%0.08%1.78%+403 bps
Net Interest Margin3.81%3.70%3.68%3.82%3.96%3.69%3.55%3.82%+1 bps
Efficiency Ratio74.81%82.37%78.59%87.98%90.72%86.68%92.60%86.39%-160 bps
Non-Interest Burden2.73%3.16%2.96%3.49%3.77%3.25%3.39%3.35%-14 bps
Growth
Asset Growth (YoY)-6.41%-9.86%-6.82%-15.90%-15.43%-12.53%-19.29%-11.59%+431 bps
Loan Growth (YoY)-18.45%-12.15%-23.15%-27.88%5.68%-11.42%-7.27%9.13%+3,701 bps
Deposit Growth (YoY)-7.40%-11.00%-7.58%-12.24%-17.30%-14.46%-21.80%-17.56%-531 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.23%0.62%0.63%1.07%0.88%0.26%0.45%0.38%-69 bps
Allowance / Loans2.63%2.65%2.66%2.97%2.41%2.95%2.80%2.40%-58 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.13%16.75%17.22%17.84%17.26%19.62%18.94%18.40%+56 bps
Equity / Assets10.46%10.98%11.17%11.59%12.41%12.57%13.68%13.43%+185 bps
Liquidity & Funding
Loans / Deposits70.23%71.73%69.56%71.60%89.74%74.27%82.49%94.78%+2,318 bps
Liquid Assets / Assets11.79%12.17%14.56%20.14%4.73%21.65%13.68%7.43%-1,271 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a