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National American Bank

San Francisco, CA · Cert 25050

FDIC

Q1 2006

$90.4MAssets
$46.6MLoans
$66.2MDeposits
$10.8MEquity
Deposit mix
90%Interest-bearing $59.7M10%Noninterest $6.5MQ1 2005Q1 2006

NIM

4.35%Q1 ’044.76%Q1 ’056.09%Q1 ’06+9%+7%

Non-interest income vs. expense

2.71%Q1 ’042.73%Q1 ’052.46%Q1 ’060%-12%

Executive Summary

  • Earnings: ROA of 0.75%, up 44 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 70.43% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

0.75%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+23 bps YoY

Efficiency Ratio (quarter, annualized)

68.47%-1,373 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.31%0.37%0.74%0.85%0.75%+44 bps
Return on Equity2.44%3.09%6.18%7.10%6.27%+384 bps
Net Interest Margin3.23%3.26%3.48%3.64%3.46%+23 bps
Efficiency Ratio82.20%76.30%70.10%65.42%68.47%-1,373 bps
Non-Interest Burden2.64%2.47%2.42%2.36%2.33%-31 bps
Growth
Asset Growth (YoY)-3.77%2.86%6.83%11.10%10.15%+1,392 bps
Loan Growth (YoY)2.47%5.90%-1.58%1.37%-11.03%-1,350 bps
Deposit Growth (YoY)-11.34%-2.39%-2.33%3.07%0.79%+1,213 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%1.30%0.00%0.03%0.00%0 bps
Allowance / Loans1.89%1.59%1.60%1.58%1.60%-29 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 Capital18.44%17.99%19.18%19.45%20.32%+187 bps
Equity / Assets12.42%11.78%12.13%11.91%11.94%-49 bps
Liquidity & Funding
Loans / Deposits79.79%76.51%76.60%73.93%70.43%-936 bps
Liquid Assets / Assets20.05%25.69%28.56%29.35%29.53%+948 bps
CRE / Total Capitaln/an/an/an/an/an/an/a