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Core Deposits
Consumer RetaiI Bank ProfitabiIity
4
March 2006. Tri Counties Bank and Kane Bank Services
SmaII Business RetaiI Bank ProfitabiIity
Other
Core Deposits
5
March 2006. Tri Counties Bank and Kane Bank Services
Think Like a Retailer, Not Like a Banker
Deposit growth is akin to same store sales growth
Considered by retailers to be the most important
measure of the success of a retail franchise
Gets at the heart of franchise viability
Focus not on overall deposit growth, but on the
performance of individual offices
Remove the impact of denovo, closures, and
acquisitions
Organic growth drives performance for the company
overall
6
March 2006. Tri Counties Bank and Kane Bank Services
Deposit Growth Requires DeIivering VaIue
Across a Wide Spectrum of Areas
Convenience
Comprehensive branch and ATM network,
supported by internet, telephone
Best in Class Customer Service
Advice
Products & Pricing
Market Segmentation
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6
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4
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2
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25
March 2006. Tri Counties Bank and Kane Bank Services
Tri Counties Bank HistoricaI Overview
Founded in 195
Vision of branches in Northern California Counties
Focus on small entrepreneurial businesses and
agricultural businesses
Retail Banking primarily a source of stable funding to
support commercial loan growth
Tri Counties Bank Today
49 Bank Branches (1 n-Store Branches)
Operating in 2 Northern California Counties
Remain focused on small entrepreneurial businesses
and agricultural businesses
Retail Banking now provides low cost core deposits
plus significant consumer loan balances
26
March 2006. Tri Counties Bank and Kane Bank Services
Existing Branches
Sacramento
Chico
Redding
Modesto
Fresno
Bakersfield
Opening Spring 2006
Visalia
Tri Counties Bank
Branch Network
2
March 2006. Tri Counties Bank and Kane Bank Services
Growth Strategies
Denovo expansion preferred
Modern Free-Standing Branches
n-Store Banks
Both Retail and Commercial sales culture continues
to provide strong internal growth
28
March 2006. Tri Counties Bank and Kane Bank Services
TotaI Ending Deposits
,33
,,237
,236,23
,34,33
,46,77
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29
March 2006. Tri Counties Bank and Kane Bank Services
Deposit Structure Deposit Structure
Interest
Demand
7
Non
Interest
Bearing
24
Time
Deposits
26
Savings
33
0
March 2006. Tri Counties Bank and Kane Bank Services
Cost of Funds
2
2
3
3
une-4 7 2
une- 2 74 23 36
Demand Savings Time Dep Fed Funds
1
March 2006. Tri Counties Bank and Kane Bank Services
AnnuaI Growth Report
Bakcrslicld Down
2
March 2006. Tri Counties Bank and Kane Bank Services
Marketing CoIIateraI