Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		GSCB	Peer Median	Peer Average
	ROAA	0.66	0.58	0.69
	ROAE	8.35	6.19	6.15
	Net Interest Margin	3.46	3.95	3.97
	Efficiency Ratio	78.63	69.30	66.51
	Loans / Deposits	70.51	67.68	66.24

Asset Quality Ratios (%)
	NPAs / Assets	NA	NA	NA
	NCOs / Avg Loans	0.03	0.59	0.58
	Reserves / Loans	1.54	1.90	1.93
	Reserves / NPAs	NA	NA	NA

Capital Ratios (%)
	Tier 1 Capital	NA	17.69	17.69
	Tangible Equity / Tangible Assets	7.83	9.70	10.40
	Total Equity / Total Assets	7.83	10.79	11.56

Market Ratios
	Price / Earnings (x)	14.81	15.10	16.36
	Price / Book (%)	114.92	84.38	90.58
	Dividend Yield (%)	0.00	0.00	1.11

Greater Sacramento Bancorp's peer group consists of the following: American River Bankshares (AMRB), Avidbank Holdings, Inc. (AVBH), Plumas Bancorp (PLBC), Premier Valley Bank (PVLY)

Greater Sacramento Bancorp's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013


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Peer Analysis