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California Community Bank

Escondido, CA · Cert 57533

FDIC

Q3 2012

$236.0MAssets
$177.8MLoans
$209.3MDeposits
$26.0MEquity
Loan mix
67%RE $75.1M31%C&I $34.9M1%Consumer $1.6MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $159.2M24%Noninterest $50.0MQ3 2011Q3 2012

NIM

4.51%Q3 ’104.16%Q3 ’114.22%Q3 ’12-3%+6%

Non-interest income vs. expense

2.91%Q3 ’102.83%Q3 ’112.67%Q3 ’12-4%-5%

Executive Summary

  • Earnings: ROA of -0.02%, down 41 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 84.96% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+21 bps YoY

Efficiency Ratio (YTD, annualized)

70.37%-813 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.39%0.37%0.14%0.33%-0.02%-41 bps
Return on Equity3.66%3.43%1.35%3.08%-0.22%-387 bps
Net Interest Margin3.42%3.25%3.48%3.56%3.63%+21 bps
Efficiency Ratio78.50%76.07%80.15%73.98%70.37%-813 bps
Non-Interest Burden2.65%2.43%2.75%2.59%2.51%-14 bps
Growth
Asset Growth (YoY)6.50%9.73%3.56%4.19%-2.31%-881 bps
Loan Growth (YoY)-3.18%7.04%9.41%11.98%15.84%+1,902 bps
Deposit Growth (YoY)8.27%12.09%4.94%4.18%-2.66%-1,093 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.08%0.00%0.38%0.27%+27 bps
Allowance / Loans2.04%2.09%2.07%1.93%2.75%+71 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 Capital16.49%16.09%15.28%15.30%14.70%-179 bps
Equity / Assets10.66%10.58%10.49%10.72%11.00%+34 bps
Liquidity & Funding
Loans / Deposits71.39%73.55%76.72%79.02%84.96%+1,357 bps
Liquid Assets / Assets24.96%24.23%22.11%19.60%15.51%-945 bps
CRE / Total Capitaln/an/an/an/an/an/an/a