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Community Bank of San Joaquin

Stockton, CA · Cert 35170

FDIC

Q1 2014

$123.6MAssets
$61.9MLoans
$110.7MDeposits
$8.4MEquity
Loan mix
73%RE $31.7M27%C&I $11.6M0%Consumer $0.2MQ1 2013Q1 2014
Deposit mix
71%Interest-bearing $78.3M29%Noninterest $32.4MQ1 2013Q1 2014

NIM

3.58%Q1 ’123.29%Q1 ’133.22%Q1 ’14-6%+5%

Non-interest income vs. expense

4.15%Q1 ’123.59%Q1 ’133.65%Q1 ’14+148%+1%

Executive Summary

  • Earnings: ROA of -0.11%, up 10 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.12%.
  • Funding: loans stand at 55.90% of deposits as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

-0.11%+10 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+14 bps YoY

Efficiency Ratio (quarter, annualized)

103.05%-379 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-0.21%0.15%1-0.75%0.32%-0.11%+10 bps
Return on Equity-2.95%1.99%-10.11%4.39%-1.63%+132 bps
Net Interest Margin2.85%2.98%2.82%3.12%2.99%+14 bps
Efficiency Ratio106.85%109.01%121.09%92.78%103.05%-379 bps
Non-Interest Burden3.08%3.29%3.54%2.85%3.10%+2 bps
Growth
Asset Growth (YoY)5.22%-4.00%-3.92%-9.44%-7.41%-1,263 bps
Loan Growth (YoY)1.42%-3.73%-4.52%-2.98%-3.60%-501 bps
Deposit Growth (YoY)6.66%-3.98%3.51%-3.87%-1.00%-766 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.39%-0.03%-0.20%-0.09%-0.12%+26 bps
Allowance / Loans3.04%3.00%3.07%3.11%3.27%+23 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 Capital13.89%14.56%14.51%14.24%15.55%+166 bps
Equity / Assets7.27%7.43%7.47%7.03%6.80%-47 bps
Liquidity & Funding
Loans / Deposits57.41%63.65%61.64%57.40%55.90%-151 bps
Liquid Assets / Assets28.95%27.14%25.69%27.01%29.35%+41 bps
CRE / Total Capitaln/an/an/an/an/an/an/a