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Capitol Valley Bank

Roseville, CA · Cert 35124

FDIC

Q1 2002

$203.4MAssets
$191.5MLoans
$146.1MDeposits
$22.8MEquity
Loan mix
66%RE $37.1M34%C&I $19.1M0%Consumer $0.0MQ1 2001Q1 2002
Deposit mix
91%Interest-bearing $132.4M9%Noninterest $13.7MQ1 2001Q1 2002

NIM

9.79%Q1 ’018.58%Q1 ’02+13%

Non-interest income vs. expense

5.20%Q1 ’013.87%Q1 ’02-13%

Executive Summary

  • Earnings: ROA of 2.38%, up 131 bps year over year; NIM at 5.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 131.04% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

2.38%+131 bps YoY

Net Interest Margin (YTD, annualized)

5.95%+66 bps YoY

Efficiency Ratio (YTD, annualized)

56.94%-1,706 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.07%1.14%1.00%1.05%2.38%+131 bps
Return on Equityn/an/an/an/a22.84%n/an/a
Net Interest Margin5.29%5.26%4.65%4.71%5.95%+66 bps
Efficiency Ratio73.99%70.39%71.75%71.19%56.94%-1,706 bps
Non-Interest Burden3.46%3.01%2.83%2.82%3.03%-43 bps
Growth
Asset Growth (YoY)85.96%18.11%24.05%40.69%257%+17,054 bps
Loan Growth (YoY)195.21%88.58%48.08%82.47%303%+10,740 bps
Deposit Growth (YoY)87.74%14.54%23.07%41.47%186.78%+9,904 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%0.04%0.12%0.08%0.23%+25 bps
Allowance / Loans1.30%1.34%1.32%1.32%1.61%+31 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 Capital10.90%10.55%10.02%10.25%11.26%+36 bps
Equity / Assets9.52%8.49%7.62%8.29%11.23%+171 bps
Liquidity & Funding
Loans / Deposits93.34%91.29%85.73%102.33%131.04%+3,770 bps
Liquid Assets / Assets0.21%0.01%0.01%0.01%0.00%-20 bps
CRE / Total Capitaln/an/an/an/an/an/an/a