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Folsom Lake Bank

Folsom, CA · Cert 58503

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

Folsom Lake Bank

Folsom, CA · Cert 58503

FDIC · 3 branches

Q3 2017

$197.3MAssets
$122.3MLoans
$171.9MDeposits
$16.2MEquity
Loan mix
83%RE $48.9M17%C&I $9.8M1%Consumer $0.5MQ3 2016Q3 2017
Deposit mix
59%Interest-bearing $101.0M41%Noninterest $70.9MQ3 2016Q3 2017

NIM

3.87%Q3 ’153.38%Q3 ’163.55%Q3 ’17-14%+5%

Non-interest income vs. expense

2.88%Q3 ’152.49%Q3 ’164.63%Q3 ’17-15%+91%

Market Position · Sacramento--Roseville--Arden-Arcade, CA · 2017 SOD (annual) · 0.3% share · #26 of 39 inst. · $0.2B of $51.2B

0.4% Sacramento
0.4% Placer

Executive Summary

  • Earnings: ROA of -0.76%, down 124 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.98%, down 81 bps from a year ago.
  • Funding: loans stand at 71.10% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.76%-124 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+15 bps YoY

Efficiency Ratio (YTD, annualized)

140.38%+6,189 bps YoY

Tier 1 Leverage Ratio

7.98%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.48%0.54%0.54%0.33%-0.76%-124 bps
Return on Equity5.22%5.94%6.35%3.82%-9.02%-1,423 bps
Net Interest Margin3.05%3.10%3.19%3.22%3.20%+15 bps
Efficiency Ratio78.50%76.31%72.08%88.47%140.38%+6,189 bps
Non-Interest Burden2.37%2.34%2.27%2.84%4.53%+216 bps
Growth
Asset Growth (YoY)16.17%12.14%11.33%9.77%1.64%-1,453 bps
Loan Growth (YoY)5.90%15.79%20.28%24.80%11.60%+570 bps
Deposit Growth (YoY)20.52%14.07%8.00%8.50%2.14%-1,838 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.34%1.23%1.22%1.15%1.20%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.79%8.87%8.71%8.75%7.98%-81 bps
Total Risk-Based Capital14.18%13.23%13.57%13.19%13.62%-55 bps
Equity / Assets9.14%8.36%8.60%8.57%8.19%-95 bps
Liquidity & Funding
Loans / Deposits65.07%72.99%71.95%74.21%71.10%+603 bps
Liquid Assets / Assets6.89%1.47%3.41%7.16%11.70%+481 bps
CRE / Total Capitaln/an/an/an/an/an/an/a