PackageTrendsPeer
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Bank of Feather River

Yuba City, CA · Cert 58630

FDIC · 1 branch

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Bank of Feather River

Yuba City, CA · Cert 58630

FDIC · 1 branch

Q2 2021

$195.2MAssets
$159.6MLoans
$176.7MDeposits
$16.3MEquity
Loan mix
69%RE $80.4M31%C&I $35.9M0%Consumer $0.3MQ2 2020Q2 2021
Deposit mix
68%Interest-bearing $120.2M32%Noninterest $56.5MQ2 2020Q2 2021

NIM

5.66%Q2 ’194.23%Q2 ’204.51%Q2 ’21-23%+20%

Non-interest income vs. expense

2.99%Q2 ’191.67%Q2 ’206.06%Q2 ’21-48%+324%

Market Position · Yuba City, CA · 2021 SOD (annual) · 5.4% share · #7 of 13 inst. · $0.2B of $3.2B

Executive Summary

  • Earnings: ROA of -1.10%, down 263 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.35%, down 108 bps from a year ago.
  • Funding: loans stand at 90.32% of deposits as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.10%-263 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+73 bps YoY

Efficiency Ratio (YTD, annualized)

130.61%+8,777 bps YoY

Tier 1 Leverage Ratio

8.35%-108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets1.53%1.18%1.24%1.58%-1.10%-263 bps
Return on Equity15.29%12.11%12.76%16.82%-12.17%-2,746 bps
Net Interest Margin3.59%3.84%3.79%4.43%4.31%+73 bps
Efficiency Ratio42.84%56.61%58.24%52.52%130.61%+8,777 bps
Non-Interest Burden1.35%1.95%2.01%2.15%5.73%+438 bps
Growth
Asset Growth (YoY)41.30%35.93%24.97%34.26%7.37%-3,393 bps
Loan Growth (YoY)41.91%37.51%40.04%37.27%4.12%-3,779 bps
Deposit Growth (YoY)48.46%42.25%34.48%43.41%17.49%-3,097 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.11%1.12%1.07%1.03%1.04%-8 bps
Allowance Coverage of NPLs44.8xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.43%9.63%9.52%9.76%8.35%-108 bps
Total Risk-Based Capital9.43%9.63%9.52%9.76%8.35%-108 bps
Equity / Assets9.07%9.08%9.59%9.24%8.38%-70 bps
Liquidity & Funding
Loans / Deposits101.91%103.68%100.45%95.66%90.32%-1,159 bps
Liquid Assets / Assets10.58%9.72%9.03%13.04%12.83%+225 bps
CRE / Total Capitaln/an/an/an/an/an/an/a