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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 $0.1MQ3 2007Q2 2009
Deposit mix
70%Interest-bearing $39.1M30%Noninterest $16.6MQ3 2007Q2 2009

Executive Summary

  • Earnings: ROA of 0.53%, down 31 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.90%.
  • Funding: loans stand at 107.36% of deposits as of Q2 2009.

Return on Assets (quarter, annualized)

0.53%-31 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+55 bps YoY

Efficiency Ratio (quarter, annualized)

73.12%+104 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.60%Q2 ’076.50%Q2 ’086.21%Q2 ’09-16%+13%

Non-interest income vs. expense

3.56%Q2 ’073.52%Q2 ’083.82%Q2 ’09+9%+17%

Discrete quarter, annualized.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets1.15%0.99%1.07%0.84%0.55%0.53%1.19%0.53%-31 bps
Return on Equity11.23%9.84%10.70%8.12%5.26%5.03%11.83%5.55%-257 bps
Net Interest Margin5.02%5.07%4.44%4.34%4.47%4.46%4.87%4.89%+55 bps
Efficiency Ratio65.21%62.16%63.76%72.08%68.16%61.18%64.23%73.12%+104 bps
Non-Interest Burden3.08%2.97%2.69%2.97%2.90%2.59%3.00%3.49%+52 bps
Growth
Asset Growth (YoY)-4.42%5.39%6.26%-0.46%-0.88%-6.96%-5.71%-2.83%-237 bps
Loan Growth (YoY)7.92%15.43%6.89%4.08%-2.07%-9.27%-4.40%-9.98%-1,406 bps
Deposit Growth (YoY)-14.91%-6.38%-1.58%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.25%0.00%0.00%0.00%0.67%0.00%0.90%+90 bps
Allowance / Loans0.74%0.74%0.79%0.79%1.02%1.14%1.13%1.13%+34 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.54%10.09%10.46%10.30%10.75%11.40%10.41%10.88%+58 bps
Equity / Assets10.22%9.90%10.15%10.55%10.38%10.56%9.53%9.67%-88 bps
Liquidity & Funding
Loans / Deposits115.69%118.34%112.19%120.98%114.59%116.85%112.80%107.36%-1,362 bps
Liquid Assets / Assets0.20%0.21%0.03%0.01%0.10%5.28%6.60%9.06%+905 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a