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Gilmore Bank

Los Angeles, CA · Cert 17523

FDIC

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gilmore Bank

Los Angeles, CA · Cert 17523

FDIC

Q2 2013

$171.1MAssets
$130.0MLoans
$150.7MDeposits
$18.2MEquity
Loan mix
65%RE $70.9M30%C&I $32.5M5%Consumer $5.0MQ2 2012Q2 2013
Deposit mix
69%Interest-bearing $104.0M31%Noninterest $46.6MQ2 2012Q2 2013

NIM

4.71%Q2 ’115.02%Q2 ’124.57%Q2 ’13+11%-8%

Non-interest income vs. expense

4.55%Q2 ’114.55%Q2 ’124.65%Q2 ’13+81%-2%

Executive Summary

  • Earnings: ROA of 0.36%, down 47 bps year over year; NIM at 4.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.20%.
  • Funding: loans stand at 86.31% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.36%-47 bps YoY

Net Interest Margin (YTD, annualized)

4.40%-38 bps YoY

Efficiency Ratio (YTD, annualized)

90.08%+531 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.83%0.54%0.52%-0.48%0.36%-47 bps
Return on Equity7.77%5.01%4.81%-4.56%3.39%-438 bps
Net Interest Margin4.78%4.64%4.48%4.32%4.40%-38 bps
Efficiency Ratio84.78%92.36%95.32%100.93%90.08%+531 bps
Non-Interest Burden3.96%4.24%4.24%4.37%3.89%-7 bps
Growth
Asset Growth (YoY)-2.12%-0.66%2.31%-3.47%-1.55%+58 bps
Loan Growth (YoY)-10.43%-4.79%3.89%13.53%19.53%+2,996 bps
Deposit Growth (YoY)-2.38%-0.56%2.64%-6.20%-1.90%+48 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.14%-0.02%0.15%-0.21%-0.20%-6 bps
Allowance / Loans2.19%2.08%1.79%1.84%1.92%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.04%17.81%17.13%16.26%17.06%-99 bps
Equity / Assets11.18%11.13%10.64%10.58%10.66%-51 bps
Liquidity & Funding
Loans / Deposits70.83%72.57%75.37%86.16%86.31%+1,548 bps
Liquid Assets / Assets9.05%7.79%6.36%0.12%0.32%-873 bps
CRE / Total Capitaln/an/an/an/an/an/an/a