Investor Presentaiton
Pro Forma Profile
Enhanced Northern California Branch Footprint
Top 5 Markets of Operation
Sorted by pro forma deposits
Cloverdale
128
Geyserville
Rocklin
Eldorad
99
Pollock Pines
Rose
Placerville
Woodland-
North Highlands Citrus Folsom
He
Eas
113
Heights
Ra
50
irg
County
# of
Branches(1)
Deposits Market
($mm)
Rank
Angwin
Windsor
Sac
Davist
Florin
1
Marin
San
Dixon
10
$1,816
3
Elk Grove
Rohnert Park
Vacaville
2
Sacramento
4
$437
12
Fairfield
Galt
San Andreas
Lodi
Murphys
Point
Reyes
Nati
Seashore
Vallejo
San Pablo
Richmond
Benicia
Martinez Pittsburg Antioch
Pleasant Hill
Walnut Creek
Berkeley Lafayette
3
Sonoma
7
$396
12
BMRC (21)
Concord
Oakley
Brentwood
Stockton
BMRC HQ
4
Alameda
3
$287
19
00
Danville
Manteca
AMRB (10)
San Fran
San Ramon
zes Tracy
San Leandro
Ripon
Riv
580
Dublin
ā
AMRB HQ
5
Napa
2
$223
8
Daly City
South San Francisco
Hayward
Livermore
Note: Deposits for Amador, Placer and San Francisco counties not listed.
Financial Highlights as of 3/31/2021
($ in millions)
3/31/21
3/31/21
BMRC
AMRB
(2)
Pro Forma
Total Assets
$3,058.1
$916.1
$3,974.2
Total Loans (excl. PPP)
$1,756.8
$419.3
$2,176.1
Balance Sheet
Total Deposits
$2,656.2
$788.6
$3,444.8
Tangible Common Equity
$316.5
$76.6
$393.1
2020 Net Income
$30.2
$7.1
$37.3
Income
Statement
2021E Net Income (3)
$29.6
$8.4
$38.0
Market Cap
Pre-Deal Market Capitalization
$520.5
$97.5
$618.0
American
River
Bankshares
(1)
Bank of Marin Bancorp
(2)
Excludes purchase accounting adjustments.
(3)
Based on the sum of Q1 2021 reported earnings and Q2 2021 through Q4 2021 quarterly consensus estimates per FactSet.
Source: S&P Global and FDIC Summary of Deposits. Deposit market data as of 6/30/2020. Market data as of 4/16/2021.
Includes full service branches only.
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