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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 $5.0MQ3 2011Q2 2013
Deposit mix
69%Interest-bearing $104.0M31%Noninterest $46.6MQ3 2011Q2 2013

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Return on Assets1.15%0.73%0.12%0.83%0.54%0.52%-0.48%0.36%-47 bps
Net Interest Margin4.40%4.36%4.08%4.78%4.64%4.48%4.32%4.40%-38 bps
Non-Interest Burden2.99%3.47%3.99%3.96%4.24%4.24%4.37%3.89%-7 bps
Loan Growth (YoY)-5.77%-10.26%-6.46%-10.43%-4.79%3.89%13.53%19.53%+2,996 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.10%1.99%2.19%2.19%2.08%1.79%1.84%1.92%-28 bps
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Equity / Assets10.99%10.67%10.22%11.18%11.13%10.64%10.58%10.66%-51 bps
Liquid Assets / Assets5.27%8.13%8.01%9.05%7.79%6.36%0.12%0.32%-873 bps