Investor Presentaiton
American River Bankshares (NASDAQ: AMRB) Overview
Branch Locations
Kelseyville
Clearlake
Meadow Vista
Lincoln
BO
Auburn
Financial Highlights as of 3/31/2021
Balance Sheet ($mm)
101
Cloverdale
Rocklin
Total Assets
Total Loans
Eldorado Natio
Ros
Pollock Pines
Placerville
Geyserville
Woodland
North Highlands Citrus Folsom
Total Deposits
Height
He
113
Tangible Common Equity
EA
$
916.1
475.4
788.6
76.6
Angwin
Windsor
Davis
Florin
Profitability/Rates for the Quarter Ended 3/31/2021 (%)
Sar
Dixon
Elk Grove
Net Income ($000s)
2,647
Rohnert Park
Vacaville
Return on Average Assets
1.21
Napa
Fairfield
Galt
AMRB (10)
AMRB HQ
Vallejo
Lodi
San Andreas
Return on Average Tangible Common Equity
14.00
Net Interest Margin
3.58
Murphys
Angels Camp
Efficiency Ratio (FTE)
52.3
Martinez Pittsburg-Antioch
Company Highlights
•
.
.
•
Headquarters: Rancho Cordova, CA
Strong NorCal presence: 10 full-service branches providing business
banking services in Sacramento, Amador, Sonoma, and Placer counties
Organic Growth in Current Markets: Low cost of core deposits, robust
sales culture, and an extraordinary client experience
Lending Expertise: Commercial real estate, small business ($1-$50mm),
wholesalers/manufacturers, professionals, and property managers
Relationship Banking: Customized financial services for businesses,
business owners, their families and employees
TCE / TA
Leverage Ratio
Tier 1 Risk-based Capital Ratio
Total Risk-based Capital Ratio
Asset Quality (%)
Nonperforming Loans / Total Loans
Net (Recoveries) Chargeoffs / Average Loans
Allowance for Loans Losses / Total Loans (Excluding PPP Loans)
Twain
Yield on Total Loans
4.92
Cost of Total Deposits
0.09
Balance Sheet Ratios / Capital (%)
Total Loans/Deposits
60.3
8.51
8.46
15.47
16.72
0.00
(0.06)
1.60
Market information as of 4/16/21
Deposit Market Share by County
Stock Price ($)
County
Sacramento
County
Population
(actual)
County Active Deposit
Median HHI Branches Rank
($actual)
Market
Market Cap ($mm) (¹)
(#)
(#)
Deposits
($mm)
Share
Price / Tangible Book Value per Share (x) (1)
(%)
Price / 2022 EPS (x)(2)
1,564,478
$74,806
4
12
$437.3
1.05%
Amador
39,554
$66,656
3
3
$133.7
16.45
Dividend Yield (%)
Sonoma
Placer
492,770
402,773
$90,481
2
14
$103.5
0.63
$95,803
1
21
$67.2
0.55
Bank of Marin Bancorp
Source: Company documents, S&P Global, FactSet, and FDIC Summary of Deposits.
Note: Deposit market share data as of 6/30/2020. Excludes non-retail deposits.
Based on common shares outstanding of 5,962,466 as of 3/31/2021.
Consensus estimates per FactSet.
American
River
Bankshares
(1)
(2)
$
16.35
$
97.5
1.27x
12.5x
1.71View entire presentation