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Security First Bank

Fresno, CA · Cert 58212

FDIC · 1 branch

Q3 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: Q3 2016, the quarter ended September 30, 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

Security First Bank

Fresno, CA · Cert 58212

FDIC · 1 branch

Q3 2016

$104.0MAssets
$81.8MLoans
$85.8MDeposits
$15.3MEquity
Loan mix
70%RE $34.6M30%C&I $14.9M0%Consumer $0.1MQ3 2015Q3 2016
Deposit mix
73%Interest-bearing $62.4M27%Noninterest $23.4MQ3 2015Q3 2016

NIM

4.16%Q3 ’144.21%Q3 ’154.41%Q3 ’16+3%+8%

Non-interest income vs. expense

3.69%Q3 ’143.75%Q3 ’153.99%Q3 ’16+2%-1%

Market Position · Fresno, CA · 2016 SOD (annual) · 0.6% share · #20 of 26 inst. · $0.1B of $13.2B

Executive Summary

  • Earnings: ROA of 0.47%, up 55 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.20%.
  • Capital: tier 1 leverage ratio of 13.56%, up 107 bps from a year ago.
  • Funding: loans stand at 95.36% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.47%+55 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+32 bps YoY

Efficiency Ratio (YTD, annualized)

85.87%-616 bps YoY

Tier 1 Leverage Ratio

13.56%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.08%0.13%0.08%0.61%0.47%+55 bps
Return on Equity-0.63%1.02%0.65%4.61%3.46%+409 bps
Net Interest Margin3.86%3.80%3.81%4.12%4.17%+32 bps
Efficiency Ratio92.03%84.84%90.93%84.81%85.87%-616 bps
Non-Interest Burden3.48%3.14%3.33%3.35%3.46%-2 bps
Growth
Asset Growth (YoY)3.81%19.36%-2.46%-2.33%-3.80%-762 bps
Loan Growth (YoY)11.82%16.00%15.26%12.87%12.34%+52 bps
Deposit Growth (YoY)2.13%23.62%-2.83%-6.01%-2.21%-434 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.12%-0.03%-0.03%-0.20%-38 bps
Allowance / Loans2.09%1.98%1.93%1.99%2.10%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.49%12.51%11.67%12.97%13.56%+107 bps
Total Risk-Based Capital16.30%15.15%15.07%15.76%15.83%-47 bps
Equity / Assets13.44%11.83%13.27%14.52%14.71%+127 bps
Liquidity & Funding
Loans / Deposits83.01%75.30%89.22%95.46%95.36%+1,235 bps
Liquid Assets / Assets8.39%10.19%11.32%5.61%4.69%-371 bps
CRE / Total Capitaln/an/an/an/an/an/an/a