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Tri-Valley Bank

San Ramon, CA · Cert 58004

FDIC · 2 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Tri-Valley Bank

San Ramon, CA · Cert 58004

FDIC · 2 branches

Q1 2018

$150.3MAssets
$127.2MLoans
$131.4MDeposits
$18.7MEquity
Loan mix
92%RE $77.0M8%C&I $6.4M0%Consumer $0.0MQ1 2017Q1 2018
Deposit mix
77%Interest-bearing $101.5M23%Noninterest $29.9MQ1 2017Q1 2018

NIM

3.79%Q1 ’164.22%Q1 ’174.03%Q1 ’18+14%-8%

Non-interest income vs. expense

3.25%Q1 ’163.00%Q1 ’173.22%Q1 ’18-7%+8%

Market Position · San Francisco-Oakland-Hayward, CA · 2017 SOD (annual) · 0.0% share · #54 of 71 inst. · $0.1B of $357.2B

0.2% Contra Costa
0.1% Alameda

Executive Summary

  • Earnings: ROA of 0.27%, down 44 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 9.86%, down 36 bps from a year ago.
  • Funding: loans stand at 96.76% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.27%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-32 bps YoY

Efficiency Ratio (YTD, annualized)

87.05%+1,269 bps YoY

Tier 1 Leverage Ratio

9.86%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.70%4.71%3.41%1.35%0.27%-44 bps
Return on Equity5.71%37.06%26.24%10.42%2.10%-362 bps
Net Interest Margin4.05%3.83%3.66%3.69%3.73%-32 bps
Efficiency Ratio74.36%76.63%76.32%81.45%87.05%+1,269 bps
Non-Interest Burden2.90%2.78%2.65%2.92%3.13%+23 bps
Growth
Asset Growth (YoY)12.75%21.93%9.71%8.12%8.58%-417 bps
Loan Growth (YoY)19.32%20.31%15.82%12.72%7.00%-1,232 bps
Deposit Growth (YoY)10.57%18.10%4.61%7.45%8.20%-237 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.11%-0.56%-0.38%-0.29%-0.04%+107 bps
Allowance / Loans1.62%1.59%1.57%1.57%1.55%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.21%10.15%9.89%9.65%9.86%-36 bps
Total Risk-Based Capital12.76%12.73%12.63%12.72%12.66%-10 bps
Equity / Assets12.18%13.54%13.87%12.87%12.44%+26 bps
Liquidity & Funding
Loans / Deposits97.85%95.00%97.98%98.38%96.76%-109 bps
Liquid Assets / Assets5.83%8.24%6.11%6.14%7.22%+139 bps
CRE / Total Capitaln/an/an/an/an/an/an/a