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Central Valley Bank

Ottumwa, IA · Cert 33921

FDIC

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Central Valley Bank

Ottumwa, IA · Cert 33921

FDIC

Q4 2005

$130.7MAssets
$106.0MLoans
$105.7MDeposits
$13.1MEquity
Loan mix
81%RE $56.7M19%C&I $13.3M0%Consumer $0.2MQ4 2004Q4 2005
Deposit mix
88%Interest-bearing $92.6M12%Noninterest $13.1MQ4 2004Q4 2005

NIM

7.01%Q1 ’046.62%Q4 ’046.37%Q4 ’05-6%-6%

Non-interest income vs. expense

2.69%Q1 ’042.57%Q4 ’042.62%Q4 ’05-10%+4%

Executive Summary

  • Earnings: ROA of 1.31%, down 1 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 100.28% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.31%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.46%-30 bps YoY

Efficiency Ratio (YTD, annualized)

50.52%+401 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.32%1.53%1.46%1.41%1.31%-1 bps
Return on Equityn/a13.92%13.56%13.14%12.35%n/a
Net Interest Margin4.76%5.20%5.07%4.80%4.46%-30 bps
Efficiency Ratio46.51%43.80%46.23%47.89%50.52%+401 bps
Non-Interest Burden1.88%1.97%2.02%1.98%1.96%+8 bps
Growth
Asset Growth (YoY)1.39%0.72%6.73%2.85%7.89%+650 bps
Loan Growth (YoY)3.22%2.45%5.55%4.92%6.35%+314 bps
Deposit Growth (YoY)6.29%3.85%1.10%1.72%11.23%+494 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.96%0.77%0.78%0.65%0.54%-41 bps
Allowance / Loans1.29%1.37%1.29%1.36%1.35%+6 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 Capital12.85%13.10%12.29%12.55%11.91%-94 bps
Equity / Assets10.89%11.09%10.30%10.80%10.04%-85 bps
Liquidity & Funding
Loans / Deposits104.88%105.05%110.61%110.62%100.28%-460 bps
Liquid Assets / Assets1.41%1.31%1.12%0.69%0.65%-77 bps
CRE / Total Capitaln/an/an/an/an/an/an/a