PackageTrendsPeer
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Alta Alliance Bank

Oakland, CA · Cert 58400

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Alta Alliance Bank

Oakland, CA · Cert 58400

FDIC

Q3 2010

$213.3MAssets
$125.9MLoans
$185.5MDeposits
$27.2MEquity
Loan mix
77%RE $72.1M23%C&I $21.5M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
90%Interest-bearing $167.8M10%Noninterest $17.7MQ3 2009Q3 2010

NIM

4.65%Q3 ’084.46%Q3 ’094.57%Q3 ’10-8%+30%

Non-interest income vs. expense

5.05%Q3 ’084.56%Q3 ’093.48%Q3 ’10-10%-25%

Executive Summary

  • Earnings: ROA of 0.56%, up 392 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 67.88% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

0.56%+392 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+84 bps YoY

Efficiency Ratio (YTD, annualized)

89.87%-6,028 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-3.35%-2.63%-0.21%0.31%10.56%+392 bps
Return on Equity-29.71%-22.01%-1.56%2.27%4.23%+3,394 bps
Net Interest Margin2.83%2.84%3.64%3.67%3.67%+84 bps
Efficiency Ratio150.14%142.31%102.08%92.53%89.87%-6,028 bps
Non-Interest Burden4.35%4.14%3.72%3.38%3.28%-108 bps
Growth
Asset Growth (YoY)38.92%25.56%32.29%15.88%21.09%-1,784 bps
Loan Growth (YoY)29.04%11.89%14.21%15.97%25.78%-326 bps
Deposit Growth (YoY)79.46%33.11%26.98%9.09%24.42%-5,504 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.95%2.91%0.72%0.62%0.34%-361 bps
Allowance / Loans2.78%2.56%2.22%1.94%1.56%-121 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital21.77%20.57%18.98%18.40%18.78%-299 bps
Equity / Assets14.76%14.45%12.99%13.17%12.75%-201 bps
Liquidity & Funding
Loans / Deposits67.14%69.85%65.06%69.71%67.88%+73 bps
Liquid Assets / Assets20.45%2.23%10.13%0.69%6.40%-1,405 bps
CRE / Total Capitaln/an/an/an/an/an/an/a