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Central California Bank

Sonora, CA · Cert 57372

FDIC

Q1 2006

$460.9MAssets
$340.2MLoans
$397.6MDeposits
$55.6MEquity
Loan mix
67%RE $47.7M33%C&I $23.2M0%Consumer $0.3MQ1 2005Q1 2006
Deposit mix
78%Interest-bearing $310.8M22%Noninterest $86.8MQ1 2005Q1 2006

NIM

5.17%Q1 ’045.50%Q1 ’056.75%Q1 ’06+5%+12%

Non-interest income vs. expense

3.03%Q1 ’043.17%Q1 ’052.72%Q1 ’06+6%-23%

Executive Summary

  • Earnings: ROA of 2.00%, up 58 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 85.56% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

2.00%+58 bps YoY

Net Interest Margin (quarter, annualized)

5.27%+57 bps YoY

Efficiency Ratio (quarter, annualized)

42.10%-1,287 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.42%1.64%1.70%2.05%2.00%+58 bps
Return on Equity11.32%13.20%14.00%16.94%16.41%+508 bps
Net Interest Margin4.71%4.80%4.97%5.31%5.27%+57 bps
Efficiency Ratio54.97%48.96%48.74%43.29%42.10%-1,287 bps
Non-Interest Burden2.34%2.01%2.09%1.81%1.80%-54 bps
Growth
Asset Growth (YoY)10.03%8.51%7.44%9.26%12.33%+230 bps
Loan Growth (YoY)10.70%11.73%14.97%21.35%10.81%+11 bps
Deposit Growth (YoY)11.39%9.36%8.53%7.11%11.93%+55 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.02%0.00%0.30%0.04%+5 bps
Allowance / Loans1.30%1.32%1.28%1.34%1.42%+12 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 Capital12.25%12.56%11.30%11.51%12.21%-5 bps
Equity / Assets12.48%12.43%11.90%12.35%12.06%-42 bps
Liquidity & Funding
Loans / Deposits86.42%84.47%89.95%95.46%85.56%-86 bps
Liquid Assets / Assets0.05%0.03%0.03%0.02%0.01%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a