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America California Bank

San Francisco, CA · Cert 20726

FDIC · 1 branch

Q2 2015

$127.3MAssets
$95.0MLoans
$92.7MDeposits
$18.1MEquity
Loan mix
92%RE $61.3M8%C&I $5.1M0%Consumer $0.0MQ2 2014Q2 2015
Deposit mix
85%Interest-bearing $78.5M15%Noninterest $14.1MQ2 2014Q2 2015

NIM

4.18%Q2 ’133.75%Q2 ’144.05%Q2 ’15-10%+11%

Non-interest income vs. expense

2.60%Q2 ’132.45%Q2 ’142.97%Q2 ’15+3%+21%

Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #60 of 75 inst. · $0.1B of $310.7B

Executive Summary

  • Earnings: ROA of 0.26%, down 15 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 12.95%.
  • Funding: loans stand at 102.56% of deposits as of Q2 2015.

Financial Results

Return on Assets (quarter, annualized)

0.26%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+33 bps YoY

Efficiency Ratio (quarter, annualized)

84.78%+691 bps YoY

Tier 1 Leverage Ratio

12.95%

Discrete quarter, annualized.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.41%0.38%0.26%0.41%0.26%-15 bps
Return on Equity3.30%3.03%2.02%3.06%1.91%-140 bps
Net Interest Margin3.02%3.03%3.17%3.10%3.34%+33 bps
Efficiency Ratio77.87%81.18%83.10%79.64%84.78%+691 bps
Non-Interest Burden2.32%2.42%2.61%2.41%2.80%+48 bps
Growth
Asset Growth (YoY)10.49%3.37%-1.71%-4.72%-9.73%-2,023 bps
Loan Growth (YoY)0.85%-5.03%-1.24%0.19%-0.35%-121 bps
Deposit Growth (YoY)9.74%3.10%-3.28%-6.89%-12.96%-2,270 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.03%-0.03%-0.04%0 bps
Allowance / Loans2.73%2.73%2.74%2.75%2.77%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a12.52%12.95%n/a
Total Risk-Based Capital18.90%19.58%19.88%19.96%20.12%+122 bps
Equity / Assets12.50%12.48%13.36%13.57%14.20%+170 bps
Liquidity & Funding
Loans / Deposits89.59%88.97%96.43%97.56%102.56%+1,297 bps
Liquid Assets / Assets27.24%28.13%23.99%23.27%20.68%-657 bps
CRE / Total Capitaln/an/an/an/an/an/an/a