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Sutter Community Bank

Yuba City, CA · Cert 58221

FDIC · 1 branch

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Sutter Community Bank

Yuba City, CA · Cert 58221

FDIC · 1 branch

Q3 2015

$68.3MAssets
$48.6MLoans
$58.9MDeposits
$9.3MEquity
Loan mix
80%RE $31.6M19%C&I $7.6M1%Consumer $0.2MQ3 2014Q3 2015
Deposit mix
76%Interest-bearing $44.5M24%Noninterest $14.3MQ3 2014Q3 2015

NIM

4.54%Q3 ’134.16%Q3 ’143.82%Q3 ’15-7%-8%

Non-interest income vs. expense

3.75%Q3 ’134.06%Q3 ’143.81%Q3 ’15+10%-5%

Market Position · Yuba City, CA · 2015 SOD (annual) · 3.0% share · #11 of 12 inst. · $0.1B of $1.9B

Executive Summary

  • Earnings: ROA of 0.07%, down 22 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 13.14%.
  • Funding: loans stand at 82.64% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.07%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-32 bps YoY

Efficiency Ratio (YTD, annualized)

98.52%+310 bps YoY

Tier 1 Leverage Ratio

13.14%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.29%0.36%0.08%0.07%0.07%-22 bps
Return on Equity2.18%2.69%0.61%0.52%0.53%-165 bps
Net Interest Margin3.95%4.05%3.86%3.74%3.62%-32 bps
Efficiency Ratio95.42%93.82%97.97%98.51%98.52%+310 bps
Non-Interest Burden3.75%3.78%3.77%3.67%3.56%-19 bps
Growth
Asset Growth (YoY)-0.14%2.00%-4.61%1.73%3.31%+345 bps
Loan Growth (YoY)3.34%-2.38%3.82%-6.36%-8.89%-1,223 bps
Deposit Growth (YoY)-0.40%2.19%-5.53%1.64%3.85%+425 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.11%-0.11%-0.02%-0.08%-0.09%+1 bps
Allowance / Loans2.70%2.95%2.85%2.84%3.05%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a13.58%13.40%13.14%n/a
Total Risk-Based Capital18.68%19.67%19.61%19.53%20.74%+206 bps
Equity / Assets13.82%13.70%13.96%13.60%13.58%-25 bps
Liquidity & Funding
Loans / Deposits94.19%84.83%89.82%88.49%82.64%-1,155 bps
Liquid Assets / Assets8.14%14.26%13.08%13.87%18.96%+1,081 bps
CRE / Total Capitaln/an/an/an/an/an/an/a