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Discovery Valley Bank

San Marcos, CA · Cert 57136

FDIC

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Discovery Valley Bank

San Marcos, CA · Cert 57136

FDIC

Q2 2009

$151.1MAssets
$128.5MLoans
$123.9MDeposits
$16.0MEquity
Loan mix
61%RE $58.9M38%C&I $36.4M1%Consumer $0.6MQ2 2008Q2 2009
Deposit mix
79%Interest-bearing $98.2M21%Noninterest $25.8MQ2 2008Q2 2009

NIM

8.07%Q2 ’076.25%Q2 ’084.85%Q2 ’09-12%-23%

Non-interest income vs. expense

4.26%Q2 ’074.57%Q2 ’084.99%Q2 ’09+8%+13%

Executive Summary

  • Earnings: ROA of -2.74%, down 123 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.95%.
  • Funding: loans stand at 103.72% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-2.74%-123 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-93 bps YoY

Efficiency Ratio (YTD, annualized)

141.32%+4,152 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 Assets-1.51%-1.38%-2.24%-2.69%-2.74%-123 bps
Return on Equity-16.22%-14.66%-23.30%-26.30%-26.53%-1,031 bps
Net Interest Margin4.01%3.99%3.72%2.65%3.07%-93 bps
Efficiency Ratio99.79%100.66%109.07%142.45%141.32%+4,152 bps
Non-Interest Burden4.00%4.02%4.09%3.95%4.53%+54 bps
Growth
Asset Growth (YoY)-3.62%-10.85%-7.61%-3.19%-10.72%-710 bps
Loan Growth (YoY)-0.11%-2.37%-10.46%-6.11%-6.74%-663 bps
Deposit Growth (YoY)-5.79%-3.06%-2.38%-4.13%-12.52%-672 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.14%2.24%3.95%1.52%0.95%-20 bps
Allowance / Loans3.20%2.57%2.53%2.66%3.04%-16 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 Capital10.97%11.14%12.80%12.38%12.40%+144 bps
Equity / Assets9.47%9.83%10.32%10.10%10.60%+113 bps
Liquidity & Funding
Loans / Deposits97.30%102.06%92.80%97.01%103.72%+642 bps
Liquid Assets / Assets2.39%2.50%1.40%1.09%0.92%-147 bps
CRE / Total Capitaln/an/an/an/an/an/an/a