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Community 1st Bank

Roseville, CA · Cert 58191

FDIC · 3 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Community 1st Bank

Roseville, CA · Cert 58191

FDIC · 3 branches

Q3 2017

$410.4MAssets
$227.7MLoans
$375.4MDeposits
$34.3MEquity
Loan mix
79%RE $101.1M20%C&I $25.4M2%Consumer $2.2MQ3 2016Q3 2017
Deposit mix
62%Interest-bearing $233.6M38%Noninterest $141.8MQ3 2016Q3 2017

NIM

3.58%Q3 ’153.07%Q3 ’163.42%Q3 ’17-15%+12%

Non-interest income vs. expense

2.59%Q3 ’152.16%Q3 ’161.97%Q3 ’17-13%-8%

Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2017 SOD (annual) · 0.7% share · #16 of 39 inst. · $0.4B of $51.2B

2.5% Placer
0.1% Sacramento

Executive Summary

  • Earnings: ROA of 0.70%, up 21 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.12% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.86%, down 28 bps from a year ago.
  • Funding: loans stand at 60.66% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.70%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+33 bps YoY

Efficiency Ratio (YTD, annualized)

61.63%-1,325 bps YoY

Tier 1 Leverage Ratio

8.86%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.49%0.48%0.56%0.65%0.70%+21 bps
Return on Equity5.13%5.13%6.50%7.57%8.16%+303 bps
Net Interest Margin2.73%2.64%3.10%3.17%3.06%+33 bps
Efficiency Ratio74.89%73.44%66.23%63.42%61.63%-1,325 bps
Non-Interest Burden2.01%1.90%2.00%1.96%1.84%-17 bps
Growth
Asset Growth (YoY)44.02%35.83%25.19%23.15%17.06%-2,696 bps
Loan Growth (YoY)21.43%27.25%32.93%23.66%20.96%-47 bps
Deposit Growth (YoY)46.27%39.04%26.67%24.11%17.28%-2,899 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.40%0.12%0.12%+12 bps
Net Charge-Offs / Loans-0.01%-0.01%0.02%0.01%0.01%+1 bps
Allowance / Loans1.46%1.43%1.40%1.41%1.36%-10 bps
Allowance Coverage of NPLsn/an/a3.5x12.1x11.0xn/a
Capital
Tier 1 Leverage Ratio9.14%9.25%9.21%9.22%8.86%-28 bps
Total Risk-Based Capital14.94%14.79%14.39%14.77%14.49%-45 bps
Equity / Assets8.51%8.76%8.57%8.59%8.36%-15 bps
Liquidity & Funding
Loans / Deposits58.81%64.06%64.30%61.88%60.66%+185 bps
Liquid Assets / Assets12.11%3.52%4.26%7.43%11.61%-50 bps
CRE / Total Capitaln/an/an/an/an/an/an/a