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Presidio Bank

San Francisco, CA · Cert 58325

FDIC · 5 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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 2026-10-10

Presidio Bank

San Francisco, CA · Cert 58325

FDIC · 5 branches

Q3 2019

$877.4MAssets
$700.4MLoans
$754.5MDeposits
$99.4MEquity
Loan mix
69%RE $313.7M28%C&I $127.4M3%Consumer $14.1MQ3 2018Q3 2019
Deposit mix
58%Interest-bearing $439.2M42%Noninterest $315.3MQ3 2018Q3 2019

NIM

4.02%Q3 ’174.24%Q3 ’184.85%Q3 ’19+4%+11%

Non-interest income vs. expense

2.44%Q3 ’172.35%Q3 ’182.63%Q3 ’19-5%+13%

Market Position · San Francisco-Oakland-Berkeley, CA · 2019 SOD (annual) · 0.1% share · #35 of 70 inst. · $0.5B of $385.4B

0.1% San Francisco
0.1% Santa Clara
0.8% Marin
0.1% Contra Costa

Executive Summary

  • Earnings: ROA of 1.32%, down 4 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.53% of loans (+53 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.35%, up 150 bps from a year ago.
  • Funding: loans stand at 92.83% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.32%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+44 bps YoY

Efficiency Ratio (YTD, annualized)

58.42%+77 bps YoY

Tier 1 Leverage Ratio

11.35%+150 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.37%1.41%1.38%1.33%1.32%-4 bps
Return on Equity14.36%14.56%13.50%12.47%12.26%-210 bps
Net Interest Margin3.94%4.09%4.40%4.39%4.37%+44 bps
Efficiency Ratio57.65%55.89%57.28%58.59%58.42%+77 bps
Non-Interest Burden2.21%2.22%2.46%2.52%2.50%+29 bps
Growth
Asset Growth (YoY)6.18%8.64%6.60%-1.50%5.18%-100 bps
Loan Growth (YoY)8.37%13.52%8.48%6.87%4.70%-367 bps
Deposit Growth (YoY)5.30%7.75%4.69%-4.63%2.73%-258 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.53%0.53%0.54%0.53%+53 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.11%1.05%1.06%1.07%1.07%-4 bps
Allowance Coverage of NPLsn/a2.0x2.0x2.0x2.0xn/a
Capital
Tier 1 Leverage Ratio9.85%10.34%10.70%10.94%11.35%+150 bps
Total Risk-Based Capital12.31%12.05%12.52%12.99%13.14%+83 bps
Equity / Assets10.16%10.28%10.22%11.42%11.33%+117 bps
Liquidity & Funding
Loans / Deposits91.08%93.70%88.84%96.64%92.83%+175 bps
Liquid Assets / Assets9.49%7.94%11.41%5.77%9.74%+25 bps
CRE / Total Capitaln/an/an/an/an/an/an/a