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Butte Community Bank

Paradise, CA · Cert 33219

FDIC

Q2 2010

$498.8MAssets
$420.3MLoans
$471.3MDeposits
$18.8MEquity
Loan mix
90%RE $286.6M10%C&I $30.6M0%Consumer $1.4MQ2 2009Q2 2010
Deposit mix
94%Interest-bearing $441.7M6%Noninterest $29.5MQ2 2009Q2 2010

NIM

6.61%Q2 ’084.88%Q2 ’094.33%Q2 ’10-22%-1%

Non-interest income vs. expense

4.48%Q2 ’084.81%Q2 ’094.82%Q2 ’10-26%-15%

Executive Summary

  • Earnings: ROA of -1.72%, down 108 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.55%.
  • Funding: loans stand at 89.18% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.72%-108 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-4 bps YoY

Efficiency Ratio (YTD, annualized)

72.80%-329 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-0.64%-1.20%-4.62%-3.10%-1.72%-108 bps
Return on Equity-7.76%-14.74%-62.23%-79.50%-44.51%-3,675 bps
Net Interest Margin3.69%3.94%3.99%3.46%3.65%-4 bps
Efficiency Ratio76.10%85.24%90.03%115.79%72.80%-329 bps
Non-Interest Burden2.18%3.01%3.37%4.22%1.85%-33 bps
Growth
Asset Growth (YoY)2.99%-7.95%-9.10%-13.57%-14.04%-1,704 bps
Loan Growth (YoY)-4.66%-7.88%-12.23%-12.10%-11.08%-642 bps
Deposit Growth (YoY)3.79%-7.87%-5.11%-9.45%-8.89%-1,268 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.45%2.34%4.12%3.08%3.55%+110 bps
Allowance / Loans1.95%2.75%2.99%3.52%3.75%+180 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 Capital10.03%8.88%5.91%5.22%5.37%-467 bps
Equity / Assets8.14%7.97%4.22%3.57%3.76%-438 bps
Liquidity & Funding
Loans / Deposits91.38%94.35%86.81%87.33%89.18%-219 bps
Liquid Assets / Assets0.81%0.72%0.74%9.22%7.02%+621 bps
CRE / Total Capitaln/an/an/an/an/an/an/a