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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

4.93%Q2 ’094.89%Q2 ’104.47%Q2 ’11+4%-5%

Non-interest income vs. expense

3.93%Q2 ’094.19%Q2 ’103.21%Q2 ’11+11%-23%

Executive Summary

  • Earnings: ROA of 0.72%, up 188 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 66.31% of deposits as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

0.72%+188 bps YoY

Net Interest Margin (quarter, annualized)

4.10%-20 bps YoY

Efficiency Ratio (quarter, annualized)

71.10%-1,547 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.16%0.21%2.84%0.62%0.72%+188 bps
Return on Equity-12.23%2.23%29.74%6.27%7.28%+1,952 bps
Net Interest Margin4.30%4.31%4.06%4.11%4.10%-20 bps
Efficiency Ratio86.57%85.51%86.44%75.53%71.10%-1,547 bps
Non-Interest Burden3.65%3.60%3.44%2.99%2.80%-85 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 / Loans3.76%-0.01%-6.12%1.32%-0.01%-376 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