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Auburn Community Bank

Auburn, CA · Cert 34557

FDIC

Q1 2006

$135.6MAssets
$112.0MLoans
$93.8MDeposits
$28.4MEquity
Loan mix
52%RE $6.6M46%C&I $5.9M1%Consumer $0.2MQ1 2005Q1 2006
Deposit mix
77%Interest-bearing $72.4M23%Noninterest $21.4MQ1 2005Q1 2006

NIM

5.19%Q1 ’045.82%Q1 ’056.40%Q1 ’06+3%0%

Non-interest income vs. expense

2.82%Q1 ’042.34%Q1 ’052.44%Q1 ’06-20%+0%

Executive Summary

  • Earnings: ROA of 1.82%, up 42 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 119.37% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

1.82%+42 bps YoY

Net Interest Margin (quarter, annualized)

4.70%-1 bps YoY

Efficiency Ratio (quarter, annualized)

44.58%+127 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.41%1.44%1.57%1.71%1.82%+42 bps
Return on Equity7.24%7.53%8.03%8.40%8.85%+161 bps
Net Interest Margin4.71%4.67%4.66%4.78%4.70%-1 bps
Efficiency Ratio43.30%43.68%46.38%41.79%44.58%+127 bps
Non-Interest Burden1.97%1.56%2.00%1.86%1.97%0 bps
Growth
Asset Growth (YoY)23.29%32.46%9.35%7.31%1.26%-2,203 bps
Loan Growth (YoY)43.19%51.54%18.65%9.74%0.65%-4,253 bps
Deposit Growth (YoY)10.60%15.84%12.08%14.17%11.75%+114 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%-0.01%0.06%0.00%0.02%+1 bps
Allowance / Loans1.21%1.40%1.54%1.44%1.33%+12 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 Capital11.01%11.14%12.11%11.81%12.51%+149 bps
Equity / Assets19.52%18.68%20.42%20.23%20.92%+140 bps
Liquidity & Funding
Loans / Deposits132.53%132.45%114.64%119.50%119.37%-1,316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.15%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/a