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Yolo Community Bank

Woodland, CA · Cert 34741

FDIC

Q1 2006

$150.1MAssets
$106.0MLoans
$100.2MDeposits
$30.3MEquity
Loan mix
34%RE $13.6M65%C&I $25.8M0%Consumer $0.0MQ1 2005Q1 2006
Deposit mix
68%Interest-bearing $68.2M32%Noninterest $32.0MQ1 2005Q1 2006

NIM

5.35%Q1 ’045.25%Q1 ’056.19%Q1 ’06-7%+3%

Non-interest income vs. expense

3.64%Q1 ’044.71%Q1 ’054.46%Q1 ’06+45%-5%

Executive Summary

  • Earnings: ROA of 0.06%, up 21 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 105.85% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

0.06%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.26%+12 bps YoY

Efficiency Ratio (quarter, annualized)

97.42%-798 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-0.15%-0.65%-0.43%-0.46%0.06%+21 bps
Return on Equity-0.79%-3.52%-2.42%-2.51%0.29%+108 bps
Net Interest Margin4.14%4.13%3.85%4.15%4.26%+12 bps
Efficiency Ratio105.40%125.51%110.22%105.98%97.42%-798 bps
Non-Interest Burden4.48%5.33%4.37%4.50%4.24%-24 bps
Growth
Asset Growth (YoY)30.88%29.89%15.36%18.74%9.29%-2,159 bps
Loan Growth (YoY)30.67%22.71%20.42%23.67%17.51%-1,316 bps
Deposit Growth (YoY)-2.31%6.57%9.33%12.98%7.78%+1,009 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.18%0.00%0.00%0 bps
Allowance / Loans1.10%1.03%1.11%1.18%1.27%+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 Capital10.20%8.92%9.66%11.02%12.01%+181 bps
Equity / Assets19.06%18.00%17.89%18.44%20.19%+113 bps
Liquidity & Funding
Loans / Deposits97.08%100.52%99.96%100.23%105.85%+876 bps
Liquid Assets / Assets0.10%0.09%0.08%0.06%0.06%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a