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Diablo Valley Bank

Danville, CA · Cert 57551

FDIC

Q1 2007

$254.6MAssets
$201.7MLoans
$229.5MDeposits
$24.5MEquity
Loan mix
67%RE $109.9M33%C&I $54.4M0%Consumer $0.2MQ1 2006Q1 2007
Deposit mix
79%Interest-bearing $182.0M21%Noninterest $47.5MQ1 2006Q1 2007

NIM

5.04%Q1 ’056.65%Q1 ’067.22%Q1 ’07+23%-8%

Non-interest income vs. expense

2.96%Q1 ’053.09%Q1 ’063.07%Q1 ’07+2%-1%

Executive Summary

  • Earnings: ROA of 0.61%, down 35 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 87.87% of deposits as of Q1 2007.

Financial Results

Return on Assets (quarter, annualized)

0.61%-35 bps YoY

Net Interest Margin (quarter, annualized)

4.45%-38 bps YoY

Efficiency Ratio (quarter, annualized)

67.49%+477 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.96%0.96%1.04%0.69%0.61%-35 bps
Return on Equity8.86%9.28%10.14%6.90%6.36%-250 bps
Net Interest Margin4.83%4.75%4.77%4.62%4.45%-38 bps
Efficiency Ratio62.72%57.34%57.23%66.64%67.49%+477 bps
Non-Interest Burden2.99%2.69%2.69%3.04%2.97%-2 bps
Growth
Asset Growth (YoY)41.29%33.93%22.79%29.39%19.03%-2,226 bps
Loan Growth (YoY)47.74%48.87%34.90%36.52%30.99%-1,675 bps
Deposit Growth (YoY)38.39%37.92%23.58%35.45%20.16%-1,822 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.24%1.27%1.20%1.23%-3 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 Capital13.58%12.48%12.72%11.63%11.88%-170 bps
Equity / Assets10.41%10.28%10.29%9.65%9.63%-78 bps
Liquidity & Funding
Loans / Deposits80.61%89.64%87.94%88.94%87.87%+726 bps
Liquid Assets / Assets4.65%5.06%2.84%2.61%2.36%-229 bps
CRE / Total Capitaln/an/an/an/an/an/an/a