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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 0.93 0.88 0.98
ROAE 8.82 8.88 8.88
Net Interest Margin 4.04 3.91 3.95
Efficiency Ratio 63.04 59.55 58.31
Loans / Deposits 78.49 73.61 73.04
Asset Quality Ratios (%)
NPAs / Assets 0.93 0.69 0.56
NCOs / Avg Loans (0.04) 0.02 0.02
Reserves / Loans 0.58 1.23 1.53
Reserves / NPAs 41.37 125.10 314.40
Capital Ratios (%)
Tier 1 Capital 14.79 12.05 12.33
Tangible Equity / Tangible Assets 9.64 9.48 9.89
Total Equity / Total Assets 10.94 10.18 11.00
Market Ratios
Price / Earnings (x) 20.58 18.67 20.46
Price / Book (%) 166.48 166.43 173.33
Dividend Yield (%) 2.29 1.66 1.46
Data for trailing four quarters

Sierra Bancorp's peer group consists of the following: 1867 Western Financial Corporation (WFCL), Bank of Marin Bancorp (BMRC), Central Valley Community Bancorp (CVCY), Farmers & Merchants Bancorp (FMCB), First Northern Community Bancorp (FNRN), FNB Bancorp (FNBG), Heritage Commerce Corp (HTBK), River City Bank (RCBC), TriCo Bancshares (TCBK)

Sierra Bancorp's financial data is as of 12/31/2017.

Peer financial data is as of 12/31/2017 except for these companies:

River City Bank's financial data is as of 3/31/2018.
Central Valley Community Bancorp's financial data is as of 3/31/2018.

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