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Bank of Sacramento

Sacramento, CA · Cert 34713

FDIC · 4 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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 2026-10-10

Bank of Sacramento

Sacramento, CA · Cert 34713

FDIC · 4 branches

Q4 2014

$468.6MAssets
$267.7MLoans
$401.0MDeposits
$46.4MEquity
Loan mix
62%RE $81.4M36%C&I $46.6M2%Consumer $2.4MQ4 2013Q4 2014
Deposit mix
67%Interest-bearing $269.2M33%Noninterest $131.9MQ4 2013Q4 2014

NIM

3.35%Q4 ’123.49%Q4 ’133.44%Q4 ’14+7%-2%

Non-interest income vs. expense

2.53%Q4 ’122.44%Q4 ’132.43%Q4 ’14+10%-5%

Market Position · Sacramento-Roseville-Arden-Arcade, CA · 2014 SOD (annual) · 0.9% share · #15 of 42 inst. · $0.4B of $42.3B

1.3% Sacramento
0.2% Placer

Executive Summary

  • Earnings: ROA of 0.74%, up 5 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.25%.
  • Funding: loans stand at 66.74% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.74%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-6 bps YoY

Efficiency Ratio (YTD, annualized)

73.85%-125 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.69%0.59%0.59%0.68%0.74%+5 bps
Return on Equity7.43%6.29%6.21%7.14%7.75%+32 bps
Net Interest Margin3.19%3.19%3.20%3.23%3.13%-6 bps
Efficiency Ratio75.11%74.50%74.67%73.51%73.85%-125 bps
Non-Interest Burden2.38%2.34%2.36%2.35%2.27%-11 bps
Growth
Asset Growth (YoY)3.71%0.97%0.27%4.72%1.70%-201 bps
Loan Growth (YoY)4.96%1.97%2.25%0.73%-1.49%-645 bps
Deposit Growth (YoY)-5.87%-4.23%1.90%8.51%10.36%+1,622 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%-0.02%-0.07%-0.07%-0.25%-31 bps
Allowance / Loans1.46%1.46%1.49%1.36%1.31%-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 Capital14.83%14.87%14.93%15.03%15.30%+47 bps
Equity / Assets9.26%9.36%9.67%9.64%9.90%+64 bps
Liquidity & Funding
Loans / Deposits74.76%75.01%72.28%66.68%66.74%-802 bps
Liquid Assets / Assets11.55%10.71%10.82%11.96%13.89%+233 bps
CRE / Total Capitaln/an/an/an/an/an/an/a