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Yuma Community Bank

Yuma, AZ · Cert 57099

FDIC

Q2 2009

$71.7MAssets
$59.7MLoans
$55.6MDeposits
$6.9MEquity
Loan mix
84%RE $38.1M16%C&I $7.0M0%Consumer $0.1MQ2 2008Q2 2009
Deposit mix
70%Interest-bearing $39.1M30%Noninterest $16.6MQ2 2008Q2 2009

NIM

7.60%Q2 ’076.78%Q2 ’086.23%Q2 ’09-15%+10%

Non-interest income vs. expense

3.63%Q2 ’073.35%Q2 ’083.58%Q2 ’09+1%+13%

Executive Summary

  • Earnings: ROA of 0.86%, down 10 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
  • Funding: loans stand at 107.36% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

0.86%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+43 bps YoY

Efficiency Ratio (YTD, annualized)

68.68%+80 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.96%0.82%0.75%1.19%0.86%-10 bps
Return on Equity9.41%8.04%7.29%11.83%8.69%-72 bps
Net Interest Margin4.45%4.52%4.48%4.87%4.88%+43 bps
Efficiency Ratio67.88%67.97%66.31%64.23%68.68%+80 bps
Non-Interest Burden2.87%2.92%2.82%3.00%3.24%+38 bps
Growth
Asset Growth (YoY)-0.46%-0.88%-6.96%-5.71%-2.83%-237 bps
Loan Growth (YoY)4.08%-2.07%-9.27%-4.40%-9.98%-1,406 bps
Deposit Growth (YoY)-2.76%-1.13%-8.11%-4.91%1.44%+420 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.17%0.00%0.45%+45 bps
Allowance / Loans0.79%1.02%1.14%1.13%1.13%+34 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 Capital10.30%10.75%11.40%10.41%10.88%+58 bps
Equity / Assets10.55%10.38%10.56%9.53%9.67%-88 bps
Liquidity & Funding
Loans / Deposits120.98%114.59%116.85%112.80%107.36%-1,362 bps
Liquid Assets / Assets0.01%0.10%5.28%6.60%9.06%+905 bps
CRE / Total Capitaln/an/an/an/an/an/an/a