California Bank & Trust

San Diego, CA · Cert 20852

FDIC · 98 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

San Diego, CA · Cert 20852

FDIC · 98 branches

Q3 2015

$12.0BAssets

$8.6BLoans

$10.3BDeposits

$1.6BEquity

Loan mix

Deposit mix

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2015 SOD (annual) · 1.0% share · #16 of 131 inst. · $4.4B of $439.1B

4.3% San Diego

1.6% Los Angeles

1.6% Orange

0.3% San Francisco

Earnings: ROA of 0.89%, down 6 bps year over year; NIM at 3.39%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
Capital: tier 1 leverage ratio of 10.51%.
Funding: loans stand at 83.75% of deposits as of Q3 2015.

Return on Assets (YTD, annualized)

0.89%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-33 bps YoY

Efficiency Ratio (YTD, annualized)

64.62%-252 bps YoY

Tier 1 Leverage Ratio

10.51%

Year to date, annualized, through each quarter.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	1.29%	0.71%	0.88%	0.95%	0.91%	0.90%	0.91%	0.89%	-6 bps
Return on Equity	9.44%	5.20%	6.40%	6.89%	6.61%	6.60%	6.73%	6.64%	-24 bps
Net Interest Margin	4.29%	4.03%	3.88%	3.72%	3.66%	3.51%	3.52%	3.39%	-33 bps
Efficiency Ratio	64.14%	66.47%	67.76%	67.14%	66.55%	65.93%	65.86%	64.62%	-252 bps
Non-Interest Burden	2.50%	2.46%	2.45%	2.31%	2.25%	2.05%	2.04%	1.91%	-40 bps
Growth
Asset Growth (YoY)	-1.32%	2.00%	2.18%	3.44%	3.82%	4.09%	6.93%	7.29%	+385 bps
Loan Growth (YoY)	3.80%	3.83%	3.20%	2.19%	-0.45%	-1.09%	-1.66%	0.97%	-123 bps
Deposit Growth (YoY)	-1.65%	2.02%	2.18%	3.10%	4.07%	4.45%	7.71%	8.35%	+526 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.05%	-0.03%	-0.02%	0.03%	0.06%	0.15%	0.03%	0.14%	+11 bps
Allowance / Loans	1.43%	1.40%	1.24%	1.11%	1.12%	1.04%	1.02%	0.93%	-18 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	10.82%	10.75%	10.51%	n/a
Total Risk-Based Capital	13.65%	14.01%	14.02%	14.29%	14.18%	13.75%	13.83%	13.61%	-68 bps
Equity / Assets	13.77%	13.74%	13.88%	13.91%	13.69%	13.51%	13.24%	13.21%	-70 bps
Liquidity & Funding
Loans / Deposits	91.95%	91.09%	91.35%	89.88%	87.96%	86.26%	83.41%	83.75%	-613 bps
Liquid Assets / Assets	10.10%	11.31%	11.06%	13.56%	14.56%	15.22%	16.82%	15.67%	+211 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a