Northern California Bancorp, Inc.

NRLB

NRLBNorthern California Bancorp, Inc. US flag

Other OTC

0.04

USD

- -

1.89MMarket Cap

Profitability (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Return on Common Equity (%)	- -	23.89	35.99	14.42	12.28	15.66	-6.57	- -
Return on Assets (%)	- -	1.3	2.17	0.87	0.52	0.56	-0.26	-5.36
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5	7.89	2.95	1.75	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
EBITDA Margin (%)	24.15	34.19	46.45	25.05	17.44	7.42	-11.24	2.76
Operating Margin (%)	20.18	30.04	42.59	25.65	14.79	5.5	-13.63	- -
Incremental Operating Margin (%)	- -	70.39	75.35	133.81	111.32	-14.33	- -	-53.34
Pretax Margin (%)	20.18	30.03	42.59	25.65	14.79	5.5	-13.63	-90.4
Profit Margin (%)	11.65	16.95	24.38	14.53	12.41	9.31	-4.63	-120.36
Net Income to Common Margin (%)	11.65	16.95	24.38	14.53	12.41	9.31	-4.63	-120.36
Effective Tax Rate (%)	42.29	43.56	42.76	43.35	16.12	- -	- -	- -
Dvd Payout Ratio (%)	24.91	16.9	15.72	23.9	30.78	- -	- -	- -
Sustainable Growth Rate (%)	- -	19.86	30.33	10.97	8.5	15.66	-6.57	- -

Credit (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Total Debt	28	33	43	61	78	40	36	34
ST Debt	- -	- -	- -	- -	3	3	3	3
LT Debt	28	33	43	61	75	37	33	31
Total Debt/EBITDA	12.63	8.48	5.88	18.26	37.83	31.23	-21.17	108.46
Net Debt/EBITDA	10.09	6.98	5.06	15.84	28.18	21.69	-11.59	74.8
Total Debt/EBIT	15.11	9.65	6.41	17.84	44.61	42.12	-17.45	- -
Net Debt/EBIT	12.07	7.95	5.52	15.47	33.22	29.25	-9.55	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.41	5.47	6.52	5.65	3.1	4.06	3.94	-1.33
Long-Term Debt/Equity (%)	381.06	369.48	346.7	420.87	520.82	230.62	232.39	868.97
Long-Term Debt/Capital (%)	79.38	78.76	77.58	80.91	85.69	72.76	71.31	101.84
Long-Term Debt/Total Assets (%)	20.81	20.29	22.56	23.93	24.41	13.63	12.61	12.72
Total Debt/Equity (%)	381.06	369.48	346.7	420.87	541.72	248.27	253.28	944.05
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt/Total Assets (%)	20.81	20.29	22.56	23.93	25.39	14.67	13.75	13.82
Net Debt to Equity	304.38	304.19	298.49	365.01	403.43	172.42	138.65	651.06
Net Debt/Capital (%)	75.46	75.32	74.87	78.61	85.93	71.51	65.63	116.21
EBITDA	2	4	7	3	2	1	-2	- -
EBITDA-CapEx	2	4	7	3	2	1	-2	- -
Operating Income (Loss)	2	3	7	3	2	1	-2	- -

Liquidity (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.41	5.47	6.52	5.65	3.1	4.06	3.94	-1.33
Long-Term Debt/Equity (%)	381.06	369.48	346.7	420.87	520.82	230.62	232.39	868.97
Long-Term Debt/Capital (%)	79.38	78.76	77.58	80.91	85.69	72.76	71.31	101.84
Long-Term Debt/Total Assets (%)	20.81	20.29	22.56	23.93	24.41	13.63	12.61	12.72
Total Debt/Equity (%)	381.06	369.48	346.7	420.87	541.72	248.27	253.28	944.05
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt/Total Assets (%)	20.81	20.29	22.56	23.93	25.39	14.67	13.75	13.82
CFO/Total Liabilities	-1.33	1.5	3.38	-0.59	2.2	-1.04	-0.89	0.9
CFO/CapEx	- -	- -	- -	- -	15.36	-10.6	-7.64	22.85
Altman's Z-Score	0.14	0.17	0.25	0.19	0.11	0.15	0.1	0.03

Working Capital (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Accounts Receivable Turnover	- -	- -	- -	- -	4.46	2.64	1.72	1.75
Days Sales Outstanding	- -	- -	- -	- -	81.88	138.45	211.86	208.36
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Market Capitalization	- -	- -	- -	19	5	6	4	1
- Cash & Cash Equivalents	6	6	6	8	20	12	16	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	28	33	43	61	78	40	36	34
Enterprise Value	22	27	37	71	63	34	24	24
Total Capital	35	42	55	75	87	51	47	31
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt / EV	1.25	1.21	1.16	0.85	1.23	1.17	1.52	1.41
EV/Sales	2.44	2.39	2.35	5.37	5.38	1.98	1.56	2.12
EV/EBITDA	10.09	6.98	5.06	21.45	30.84	26.64	- -	76.8
EV/EBIT	12.07	7.95	5.52	20.95	36.36	35.93	- -	- -
EV/Cash Flow to Firm	- -	11.8	6.14	- -	9.89	- -	- -	11.07
EV/Free Cash Flow to Firm	- -	11.8	6.14	- -	9.29	- -	- -	10.61
Diluted Market Cap	- -	- -	- -	20	6	6	4	1
Diluted Enterprise Value	22	27	37	72	63	34	24	24
EV per Share	13.86	16.83	22.29	39.95	34.74	19.1	13.31	13.46
TTM Sales	9	11	16	13	12	17	15	11
TTM EBITDA	2	4	7	3	2	1	-2	- -
TTM Operating Income	2	3	7	3	2	1	-2	- -
TTM Cash Flow to Firm	-2	2	6	-1	6	-3	-2	2
TTM Free Cash Flow to Firm	-2	2	6	-1	7	-2	-2	2

Multiples (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Price/Free Cash Flow	- -	- -	- -	-13.92	0.81	-2.62	-2.03	0.28
EV/EBIT	12.07	7.95	5.52	20.95	36.36	35.93	- -	- -
Enterprise Value	22	27	37	71	63	34	24	24
Low Price	- -	- -	- -	11	2.25	1.7	1.5	0.12
EV/Sales	2.44	2.39	2.35	5.37	5.38	1.98	1.56	2.12
EV/EBITDA	10.09	6.98	5.06	21.45	30.84	26.64	- -	76.8
Price/Earnings	- -	- -	- -	9.67	3.74	3.95	- -	- -
Price/Earnings Average	- -	- -	- -	12.47	7.12	4.15	-7.25	-0.14
Price/Earnings High	- -	- -	- -	16.43	14.35	8.89	-11.99	-0.29
Price/Earnings Low	- -	- -	- -	10.18	2.81	1.89	-3.79	-0.02
Price/Book Value	- -	- -	- -	1.3	0.58	0.57	0.38	-0.19
Price/Book Value Average	- -	- -	- -	1.68	1.1	0.6	0.49	-0.59
Price/Book Value High	- -	- -	- -	2.21	2.21	1.29	0.81	-1.2
Price/Book Value Low	- -	- -	- -	1.37	0.43	0.27	0.26	-0.07
Price/Tangible Book Value	- -	- -	- -	1.29	0.38	0.39	0.27	0.17
Price/Tangible Book Value Average	- -	- -	- -	1.67	0.72	0.41	0.36	0.54
Price/Tangible Book Value High	- -	- -	- -	2.2	1.46	0.89	0.59	1.09
Price/Tangible Book Value Low	- -	- -	- -	1.36	0.29	0.19	0.19	0.06
Price/Sales	- -	- -	- -	1.41	0.46	0.37	0.26	0.06
Price/Sales Average	- -	- -	- -	1.81	0.88	0.39	0.34	0.17
Price/Sales High	- -	- -	- -	2.39	1.78	0.83	0.56	0.35
Price/Sales Low	- -	- -	- -	1.48	0.35	0.18	0.18	0.02
Price/Cash Flow	- -	- -	- -	-13.21	0.85	-2.37	-1.76	0.29
Price/Cash Flow Average	- -	- -	- -	-17.04	1.62	-2.49	-2.29	0.89
Price/Cash Flow High	- -	- -	- -	-22.45	3.27	-5.34	-3.79	1.81
Price/Cash Flow Low	- -	- -	- -	-13.91	0.64	-1.13	-1.2	0.1
Price/Free Cash Flow Average	- -	- -	- -	-17.95	1.54	-2.76	-2.64	0.86
Price/Free Cash Flow High	- -	- -	- -	-23.65	3.11	-5.91	-4.37	1.73
Price/Free Cash Flow Low	- -	- -	- -	-14.65	0.61	-1.26	-1.38	0.09
EV/Sales Average	2.44	2.39	2.35	5.78	5.8	2	1.64	2.24
EV/Sales High	2.44	2.39	2.35	6.36	6.69	2.44	1.86	2.41
EV/Sales Low	2.44	2.39	2.35	5.45	5.26	1.79	1.48	2.08
EV/EBITDA Average	10.09	6.98	5.06	23.08	33.24	26.9	-14.58	81
EV/EBITDA High	10.09	6.98	5.06	25.37	38.38	32.85	-16.53	87.35
EV/EBITDA Low	10.09	6.98	5.06	21.75	30.17	24.06	-13.15	75.48
EV/EBIT Average	12.07	7.95	5.52	22.54	39.19	36.28	-12.01	- -
EV/EBIT High	12.07	7.95	5.52	24.78	45.25	44.3	-13.63	- -
EV/EBIT Low	12.07	7.95	5.52	21.24	35.57	32.45	-10.84	- -
Last Price	- -	- -	- -	10.45	3	3.55	2.2	0.35
High Price	- -	- -	- -	17.75	11.5	8	4.74	2.2
Enterprise Value Average	22	27	37	77	68	35	25	25
Enterprise Value High	22	27	37	84	79	42	28	27
Enterprise Value Low	22	27	37	72	62	31	23	24

Profitability (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Return on Common Equity (%)	- -	23.89	35.99	14.42	12.28	15.66	-6.57	- -
Return on Assets (%)	- -	1.3	2.17	0.87	0.52	0.56	-0.26	-5.36
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5	7.89	2.95	1.75	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
EBITDA Margin (%)	24.15	34.19	46.45	25.05	17.44	7.42	-11.24	2.76
Operating Margin (%)	20.18	30.04	42.59	25.65	14.79	5.5	-13.63	- -
Incremental Operating Margin (%)	- -	70.39	75.35	133.81	111.32	-14.33	- -	-53.34
Pretax Margin (%)	20.18	30.03	42.59	25.65	14.79	5.5	-13.63	-90.4
Profit Margin (%)	11.65	16.95	24.38	14.53	12.41	9.31	-4.63	-120.36
Net Income to Common Margin (%)	11.65	16.95	24.38	14.53	12.41	9.31	-4.63	-120.36
Effective Tax Rate (%)	42.29	43.56	42.76	43.35	16.12	- -	- -	- -
Dvd Payout Ratio (%)	24.91	16.9	15.72	23.9	30.78	- -	- -	- -
Sustainable Growth Rate (%)	- -	19.86	30.33	10.97	8.5	15.66	-6.57	- -

Credit (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Total Debt	28	33	43	61	78	40	36	34
ST Debt	- -	- -	- -	- -	3	3	3	3
LT Debt	28	33	43	61	75	37	33	31
Total Debt/EBITDA	12.63	8.48	5.88	18.26	37.83	31.23	-21.17	108.46
Net Debt/EBITDA	10.09	6.98	5.06	15.84	28.18	21.69	-11.59	74.8
Total Debt/EBIT	15.11	9.65	6.41	17.84	44.61	42.12	-17.45	- -
Net Debt/EBIT	12.07	7.95	5.52	15.47	33.22	29.25	-9.55	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.41	5.47	6.52	5.65	3.1	4.06	3.94	-1.33
Long-Term Debt/Equity (%)	381.06	369.48	346.7	420.87	520.82	230.62	232.39	868.97
Long-Term Debt/Capital (%)	79.38	78.76	77.58	80.91	85.69	72.76	71.31	101.84
Long-Term Debt/Total Assets (%)	20.81	20.29	22.56	23.93	24.41	13.63	12.61	12.72
Total Debt/Equity (%)	381.06	369.48	346.7	420.87	541.72	248.27	253.28	944.05
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt/Total Assets (%)	20.81	20.29	22.56	23.93	25.39	14.67	13.75	13.82
Net Debt to Equity	304.38	304.19	298.49	365.01	403.43	172.42	138.65	651.06
Net Debt/Capital (%)	75.46	75.32	74.87	78.61	85.93	71.51	65.63	116.21
EBITDA	2	4	7	3	2	1	-2	- -
EBITDA-CapEx	2	4	7	3	2	1	-2	- -
Operating Income (Loss)	2	3	7	3	2	1	-2	- -

Liquidity (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.41	5.47	6.52	5.65	3.1	4.06	3.94	-1.33
Long-Term Debt/Equity (%)	381.06	369.48	346.7	420.87	520.82	230.62	232.39	868.97
Long-Term Debt/Capital (%)	79.38	78.76	77.58	80.91	85.69	72.76	71.31	101.84
Long-Term Debt/Total Assets (%)	20.81	20.29	22.56	23.93	24.41	13.63	12.61	12.72
Total Debt/Equity (%)	381.06	369.48	346.7	420.87	541.72	248.27	253.28	944.05
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt/Total Assets (%)	20.81	20.29	22.56	23.93	25.39	14.67	13.75	13.82
CFO/Total Liabilities	-1.33	1.5	3.38	-0.59	2.2	-1.04	-0.89	0.9
CFO/CapEx	- -	- -	- -	- -	15.36	-10.6	-7.64	22.85
Altman's Z-Score	0.14	0.17	0.25	0.19	0.11	0.15	0.1	0.03

Working Capital (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Accounts Receivable Turnover	- -	- -	- -	- -	4.46	2.64	1.72	1.75
Days Sales Outstanding	- -	- -	- -	- -	81.88	138.45	211.86	208.36
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Market Capitalization	- -	- -	- -	19	5	6	4	1
- Cash & Cash Equivalents	6	6	6	8	20	12	16	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	28	33	43	61	78	40	36	34
Enterprise Value	22	27	37	71	63	34	24	24
Total Capital	35	42	55	75	87	51	47	31
Total Debt/Capital (%)	79.38	78.76	77.58	80.91	89.13	78.33	77.72	110.64
Total Debt / EV	1.25	1.21	1.16	0.85	1.23	1.17	1.52	1.41
EV/Sales	2.44	2.39	2.35	5.37	5.38	1.98	1.56	2.12
EV/EBITDA	10.09	6.98	5.06	21.45	30.84	26.64	- -	76.8
EV/EBIT	12.07	7.95	5.52	20.95	36.36	35.93	- -	- -
EV/Cash Flow to Firm	- -	11.8	6.14	- -	9.89	- -	- -	11.07
EV/Free Cash Flow to Firm	- -	11.8	6.14	- -	9.29	- -	- -	10.61
Diluted Market Cap	- -	- -	- -	20	6	6	4	1
Diluted Enterprise Value	22	27	37	72	63	34	24	24
EV per Share	13.86	16.83	22.29	39.95	34.74	19.1	13.31	13.46
TTM Sales	9	11	16	13	12	17	15	11
TTM EBITDA	2	4	7	3	2	1	-2	- -
TTM Operating Income	2	3	7	3	2	1	-2	- -
TTM Cash Flow to Firm	-2	2	6	-1	6	-3	-2	2
TTM Free Cash Flow to Firm	-2	2	6	-1	7	-2	-2	2

Multiples (USD)

API Chat

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Price/Free Cash Flow	- -	- -	- -	-13.92	0.81	-2.62	-2.03	0.28
EV/EBIT	12.07	7.95	5.52	20.95	36.36	35.93	- -	- -
Enterprise Value	22	27	37	71	63	34	24	24
Low Price	- -	- -	- -	11	2.25	1.7	1.5	0.12
EV/Sales	2.44	2.39	2.35	5.37	5.38	1.98	1.56	2.12
EV/EBITDA	10.09	6.98	5.06	21.45	30.84	26.64	- -	76.8
Price/Earnings	- -	- -	- -	9.67	3.74	3.95	- -	- -
Price/Earnings Average	- -	- -	- -	12.47	7.12	4.15	-7.25	-0.14
Price/Earnings High	- -	- -	- -	16.43	14.35	8.89	-11.99	-0.29
Price/Earnings Low	- -	- -	- -	10.18	2.81	1.89	-3.79	-0.02
Price/Book Value	- -	- -	- -	1.3	0.58	0.57	0.38	-0.19
Price/Book Value Average	- -	- -	- -	1.68	1.1	0.6	0.49	-0.59
Price/Book Value High	- -	- -	- -	2.21	2.21	1.29	0.81	-1.2
Price/Book Value Low	- -	- -	- -	1.37	0.43	0.27	0.26	-0.07
Price/Tangible Book Value	- -	- -	- -	1.29	0.38	0.39	0.27	0.17
Price/Tangible Book Value Average	- -	- -	- -	1.67	0.72	0.41	0.36	0.54
Price/Tangible Book Value High	- -	- -	- -	2.2	1.46	0.89	0.59	1.09
Price/Tangible Book Value Low	- -	- -	- -	1.36	0.29	0.19	0.19	0.06
Price/Sales	- -	- -	- -	1.41	0.46	0.37	0.26	0.06
Price/Sales Average	- -	- -	- -	1.81	0.88	0.39	0.34	0.17
Price/Sales High	- -	- -	- -	2.39	1.78	0.83	0.56	0.35
Price/Sales Low	- -	- -	- -	1.48	0.35	0.18	0.18	0.02
Price/Cash Flow	- -	- -	- -	-13.21	0.85	-2.37	-1.76	0.29
Price/Cash Flow Average	- -	- -	- -	-17.04	1.62	-2.49	-2.29	0.89
Price/Cash Flow High	- -	- -	- -	-22.45	3.27	-5.34	-3.79	1.81
Price/Cash Flow Low	- -	- -	- -	-13.91	0.64	-1.13	-1.2	0.1
Price/Free Cash Flow Average	- -	- -	- -	-17.95	1.54	-2.76	-2.64	0.86
Price/Free Cash Flow High	- -	- -	- -	-23.65	3.11	-5.91	-4.37	1.73
Price/Free Cash Flow Low	- -	- -	- -	-14.65	0.61	-1.26	-1.38	0.09
EV/Sales Average	2.44	2.39	2.35	5.78	5.8	2	1.64	2.24
EV/Sales High	2.44	2.39	2.35	6.36	6.69	2.44	1.86	2.41
EV/Sales Low	2.44	2.39	2.35	5.45	5.26	1.79	1.48	2.08
EV/EBITDA Average	10.09	6.98	5.06	23.08	33.24	26.9	-14.58	81
EV/EBITDA High	10.09	6.98	5.06	25.37	38.38	32.85	-16.53	87.35
EV/EBITDA Low	10.09	6.98	5.06	21.75	30.17	24.06	-13.15	75.48
EV/EBIT Average	12.07	7.95	5.52	22.54	39.19	36.28	-12.01	- -
EV/EBIT High	12.07	7.95	5.52	24.78	45.25	44.3	-13.63	- -
EV/EBIT Low	12.07	7.95	5.52	21.24	35.57	32.45	-10.84	- -
Last Price	- -	- -	- -	10.45	3	3.55	2.2	0.35
High Price	- -	- -	- -	17.75	11.5	8	4.74	2.2
Enterprise Value Average	22	27	37	77	68	35	25	25
Enterprise Value High	22	27	37	84	79	42	28	27
Enterprise Value Low	22	27	37	72	62	31	23	24

	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y
Shares Outstanding	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2
Revenue per Share	5.69	7.05	9.48	7.43	6.46	9.66	8.53	6.35
EBITDA per Share	1.37	2.41	4.4	1.86	1.13	0.72	-0.96	0.18
Operating Income per Share	1.15	2.12	4.04	1.91	0.96	0.53	-1.16	- -
Basic EPS, GAAP	0.66	1.2	2.31	1.08	0.8	0.9	-0.4	-7.64
Basic EPS from Cont Ops	0.66	1.2	2.31	1.08	0.8	0.9	-0.4	-7.64
Diluted EPS, GAAP	0.66	1.2	2.09	1.03	0.79	0.9	-0.4	-7.64
Diluted EPS from Cont Ops	0.66	1.2	2.09	1.03	0.79	0.9	-0.4	-7.64
Dividend per Share	0.16	0.2	0.36	0.26	0.25	- -	- -	- -
Cash Flow per Share	-1.05	1.43	3.63	-0.79	3.51	-1.5	-1.25	1.22
Free Cash Flow per Basic Share	-1.05	1.43	3.63	-0.79	3.28	-1.64	-1.41	1.16
Cash & Equivalents per Share	3.49	3.61	3.6	4.52	10.88	6.84	9.19	5.9
Book Value per Share	4.51	5.51	7.48	8.03	5.2	6.19	5.82	-1.83
Tangible Book Value per Share	4.55	5.53	7.47	8.08	7.87	9.02	8.01	2.01

Northern California Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)