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Bank of Visalia

Visalia, CA · Cert 34156

FDIC · 4 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Bank of Visalia

Visalia, CA · Cert 34156

FDIC · 4 branches

Q4 2016

$421.6MAssets
$318.7MLoans
$367.5MDeposits
$49.4MEquity
Loan mix
81%RE $170.6M17%C&I $36.0M1%Consumer $2.7MQ4 2015Q4 2016
Deposit mix
53%Interest-bearing $196.2M47%Noninterest $171.3MQ4 2015Q4 2016

NIM

3.66%Q4 ’144.06%Q4 ’153.83%Q4 ’16+12%-5%

Non-interest income vs. expense

2.42%Q4 ’142.61%Q4 ’152.67%Q4 ’16+3%+6%

Market Position · Visalia-Porterville, CA · 2016 SOD (annual) · 7.1% share · #5 of 15 inst. · $0.3B of $4.6B

7.1% Tulare
0.2% Fresno

Executive Summary

  • Earnings: ROA of 1.10%, down 11 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.27%.
  • Capital: tier 1 leverage ratio of 11.50%, up 30 bps from a year ago.
  • Funding: loans stand at 86.72% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

1.10%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-21 bps YoY

Efficiency Ratio (YTD, annualized)

65.87%+555 bps YoY

Tier 1 Leverage Ratio

11.50%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.20%1.20%1.16%1.13%1.10%-11 bps
Return on Equity11.01%10.72%10.25%9.95%9.60%-141 bps
Net Interest Margin3.89%3.83%3.79%3.75%3.68%-21 bps
Efficiency Ratio60.32%68.69%66.93%68.31%65.87%+555 bps
Non-Interest Burden2.17%2.53%2.43%2.45%2.30%+12 bps
Growth
Asset Growth (YoY)3.21%-1.64%3.32%6.97%0.15%-307 bps
Loan Growth (YoY)12.71%14.52%10.74%7.12%5.58%-713 bps
Deposit Growth (YoY)-1.96%-2.71%2.61%6.77%4.23%+619 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.14%-0.75%-0.40%-0.36%-0.27%-13 bps
Allowance / Loans1.11%1.11%1.12%1.10%1.08%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.20%11.35%11.38%11.52%11.50%+30 bps
Total Risk-Based Capital15.30%15.70%15.98%16.14%16.08%+78 bps
Equity / Assets11.01%11.44%11.59%11.39%11.71%+70 bps
Liquidity & Funding
Loans / Deposits85.61%83.85%83.52%82.46%86.72%+111 bps
Liquid Assets / Assets3.56%2.82%3.88%8.13%4.85%+128 bps
CRE / Total Capitaln/an/an/an/an/an/an/a