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Orange Community Bank

Orange, CA · Cert 35535

FDIC

Q2 2011

$233.9MAssets
$138.6MLoans
$209.0MDeposits
$23.0MEquity
Loan mix
78%RE $88.9M21%C&I $24.5M1%Consumer $0.9MQ2 2010Q2 2011
Deposit mix
87%Interest-bearing $182.8M13%Noninterest $26.2MQ2 2010Q2 2011

NIM

4.89%Q2 ’094.88%Q2 ’104.47%Q2 ’11+6%-5%

Non-interest income vs. expense

3.89%Q2 ’094.13%Q2 ’103.32%Q2 ’11+7%-17%

Executive Summary

  • Earnings: ROA of 0.67%, up 130 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
  • Funding: loans stand at 66.31% of deposits as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

0.67%+130 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-20 bps YoY

Efficiency Ratio (YTD, annualized)

73.33%-1,000 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.63%-0.35%0.47%0.62%0.67%+130 bps
Return on Equity-6.45%-3.59%4.88%6.27%6.78%+1,323 bps
Net Interest Margin4.30%4.37%4.10%4.11%4.09%-20 bps
Efficiency Ratio83.32%84.04%84.62%75.53%73.33%-1,000 bps
Non-Interest Burden3.47%3.57%3.38%2.99%2.89%-59 bps
Growth
Asset Growth (YoY)-1.61%2.25%9.48%4.78%6.21%+782 bps
Loan Growth (YoY)-4.79%-3.19%-7.29%-10.78%-10.17%-538 bps
Deposit Growth (YoY)-1.39%3.01%10.02%4.49%5.55%+694 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.62%1.75%-0.15%1.32%0.67%-195 bps
Allowance / Loans2.12%2.27%2.31%2.09%2.18%+6 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 Capital12.74%12.82%14.59%14.72%15.19%+245 bps
Equity / Assets9.26%9.22%9.91%9.94%9.81%+55 bps
Liquidity & Funding
Loans / Deposits77.92%76.58%73.10%70.06%66.31%-1,161 bps
Liquid Assets / Assets18.40%20.44%23.04%28.92%35.14%+1,674 bps
CRE / Total Capitaln/an/an/an/an/an/an/a