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Founders Community Bank

San Luis Obispo, CA · Cert 57924

FDIC · 4 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Founders Community Bank

San Luis Obispo, CA · Cert 57924

FDIC · 4 branches

Q4 2016

$196.9MAssets
$104.5MLoans
$178.6MDeposits
$18.2MEquity
Loan mix
75%RE $52.5M25%C&I $17.6M0%Consumer $0.3MQ4 2015Q4 2016
Deposit mix
58%Interest-bearing $104.1M42%Noninterest $74.6MQ4 2015Q4 2016

NIM

4.26%Q4 ’143.60%Q4 ’153.63%Q4 ’16-16%+1%

Non-interest income vs. expense

2.71%Q4 ’142.52%Q4 ’152.71%Q4 ’16-8%+10%

Market Position · San Luis Obispo-Paso Robles-Arroyo Grande, CA · 2016 SOD (annual) · 2.8% share · #8 of 13 inst. · $0.2B of $6.1B

Executive Summary

  • Earnings: ROA of 0.64%, down 20 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.04%, down 4 bps from a year ago.
  • Funding: loans stand at 58.51% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.64%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+5 bps YoY

Efficiency Ratio (YTD, annualized)

72.79%+477 bps YoY

Tier 1 Leverage Ratio

9.04%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.84%0.65%0.57%0.62%0.64%-20 bps
Return on Equity9.25%7.08%6.21%6.75%6.99%-226 bps
Net Interest Margin3.45%3.60%3.70%3.59%3.51%+5 bps
Efficiency Ratio68.02%72.78%75.33%73.68%72.79%+477 bps
Non-Interest Burden2.27%2.56%2.73%2.59%2.49%+22 bps
Growth
Asset Growth (YoY)13.84%5.52%0.93%6.74%2.46%-1,137 bps
Loan Growth (YoY)-6.06%-7.21%12.39%22.00%7.25%+1,330 bps
Deposit Growth (YoY)8.81%5.33%0.39%6.75%7.65%-116 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%-0.03%-0.01%-0.01%-1 bps
Allowance / Loans1.52%1.53%1.46%1.43%1.47%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.08%9.15%9.37%9.11%9.04%-4 bps
Total Risk-Based Capital16.03%16.40%15.82%15.95%16.89%+86 bps
Equity / Assets8.91%9.37%9.32%8.98%9.23%+31 bps
Liquidity & Funding
Loans / Deposits58.74%57.73%61.80%59.08%58.51%-22 bps
Liquid Assets / Assets42.93%40.88%37.80%40.24%41.63%-130 bps
CRE / Total Capitaln/an/an/an/an/an/an/a