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Central California Bank

Sonora, CA · Cert 34310

FDIC

Q1 2002

$68.1MAssets
$47.4MLoans
$62.9MDeposits
$4.7MEquity
Deposit mix
71%Interest-bearing $44.8M29%Noninterest $18.1MQ1 2001Q1 2002

NIM

8.47%Q1 ’016.01%Q1 ’02-16%

Non-interest income vs. expense

4.88%Q1 ’0110.26%Q1 ’02+149%

Executive Summary

  • Earnings: ROA of -3.27%, down 403 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 75.26% of deposits as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

-3.27%-403 bps YoY

Net Interest Margin (quarter, annualized)

4.13%-79 bps YoY

Efficiency Ratio (quarter, annualized)

212%+13,047 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.76%1.00%0.88%1.89%-3.27%-403 bps
Return on Equityn/a12.40%11.69%26.72%-47.22%n/a
Net Interest Margin4.92%4.66%4.22%3.91%4.13%-79 bps
Efficiency Ratio81.88%82.61%82.88%101.65%212%+13,047 bps
Non-Interest Burden3.84%3.71%3.34%3.99%9.56%+572 bps
Growth
Asset Growth (YoY)-20.78%34.68%43.83%54.95%20.70%+4,148 bps
Loan Growth (YoY)32.40%39.44%37.72%34.38%26.08%-633 bps
Deposit Growth (YoY)-22.89%37.73%47.52%59.18%22.90%+4,579 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.30%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.28%1.30%1.39%1.37%+15 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 Capital12.76%12.09%11.39%11.20%10.16%-260 bps
Equity / Assets8.28%7.84%7.33%6.89%6.96%-133 bps
Liquidity & Funding
Loans / Deposits73.36%73.55%71.51%63.36%75.26%+190 bps
Liquid Assets / Assets8.65%8.91%7.48%7.47%8.34%-31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a