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Canyon National Bank

Palm Springs, CA · Cert 34692

FDIC

Q4 2010

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 2010, the quarter ended December 31, 2010, 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

Canyon National Bank

Palm Springs, CA · Cert 34692

FDIC

Q4 2010

$210.9MAssets
$166.3MLoans
$205.3MDeposits
$3.1MEquity
Loan mix
76%RE $107.1M24%C&I $33.4M0%Consumer $0.2MQ4 2009Q4 2010
Deposit mix
68%Interest-bearing $138.7M32%Noninterest $66.5MQ4 2009Q4 2010

NIM

6.08%Q4 ’085.54%Q4 ’095.05%Q4 ’10-3%+7%

Non-interest income vs. expense

3.99%Q4 ’084.72%Q4 ’097.50%Q4 ’10+18%+65%

Executive Summary

  • Earnings: ROA of -4.34%, up 214 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.11%.
  • Funding: loans stand at 80.99% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

-4.34%+214 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+28 bps YoY

Efficiency Ratio (YTD, annualized)

133.80%+3,944 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-6.48%-1.04%-3.28%-4.46%-4.34%+214 bps
Return on Equity-75.04%-20.76%-70.85%-108.03%-119.04%-4,400 bps
Net Interest Margin4.08%3.98%4.03%4.24%4.36%+28 bps
Efficiency Ratio94.36%94.81%130.01%123.85%133.80%+3,944 bps
Non-Interest Burden3.80%3.72%5.56%5.51%6.26%+246 bps
Growth
Asset Growth (YoY)-17.64%-15.86%-16.55%-16.01%-13.82%+382 bps
Loan Growth (YoY)-19.97%-22.87%-23.87%-23.37%-18.93%+103 bps
Deposit Growth (YoY)-8.70%-9.04%-9.22%-8.68%-9.88%-118 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans8.03%2.57%3.13%4.21%4.11%-392 bps
Allowance / Loans4.63%4.69%4.74%5.27%4.79%+16 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 Capital7.39%7.31%5.58%4.22%3.09%-429 bps
Equity / Assets5.16%4.84%3.85%2.48%1.49%-367 bps
Liquidity & Funding
Loans / Deposits90.03%82.82%84.98%81.77%80.99%-904 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a