PackageTrendsPeer
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Legacy Bank, National Association

Campbell, CA · Cert 57536

FDIC

Q4 2006

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: Q4 2006, the quarter ended December 31, 2006, 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

Legacy Bank, National Association

Campbell, CA · Cert 57536

FDIC

Q4 2006

$87.2MAssets
$63.9MLoans
$75.9MDeposits
$11.0MEquity
Loan mix
11%RE $3.8M85%C&I $28.7M4%Consumer $1.4MQ4 2005Q4 2006
Deposit mix
75%Interest-bearing $56.6M25%Noninterest $19.3MQ4 2005Q4 2006

NIM

2.64%Q4 ’045.76%Q4 ’057.82%Q4 ’06+136%+25%

Non-interest income vs. expense

5.08%Q4 ’045.64%Q4 ’055.92%Q4 ’06+7%-8%

Executive Summary

  • Earnings: ROA of 0.67%, up 193 bps year over year; NIM at 5.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.31%.
  • Funding: loans stand at 84.12% of deposits as of Q4 2006.

Financial Results

Return on Assets (YTD, annualized)

0.67%+193 bps YoY

Net Interest Margin (YTD, annualized)

5.70%+115 bps YoY

Efficiency Ratio (YTD, annualized)

88.14%-2,812 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets-1.27%0.31%0.22%0.42%0.67%+193 bps
Return on Equity-8.80%2.52%1.76%3.31%5.27%+1,407 bps
Net Interest Margin4.55%5.74%5.90%5.98%5.70%+115 bps
Efficiency Ratio116.26%97.16%92.30%90.92%88.14%-2,812 bps
Non-Interest Burden5.34%5.55%5.36%5.35%4.90%-44 bps
Growth
Asset Growth (YoY)38.59%33.13%26.37%17.46%5.62%-3,298 bps
Loan Growth (YoY)76.10%45.77%40.88%13.82%1.12%-7,498 bps
Deposit Growth (YoY)31.10%41.41%32.56%19.77%10.13%-2,097 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%-0.06%-0.20%-0.16%-0.31%-69 bps
Allowance / Loans1.33%1.39%1.62%1.61%1.83%+50 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 Capital15.79%16.62%15.96%15.87%16.01%+22 bps
Equity / Assets12.45%12.42%12.80%12.82%12.64%+20 bps
Liquidity & Funding
Loans / Deposits91.61%81.35%90.12%89.47%84.12%-749 bps
Liquid Assets / Assets0.12%1.44%1.85%0.60%0.57%+45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a