Bank USA, National Association

Phoenix, AZ · Cert 32218

FDIC

Q3 2009

$213.2MAssets

$131.2MLoans

$170.7MDeposits

$21.4MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -2.94%, up 138 bps year over year; NIM at 2.39%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.86%.
Funding: loans stand at 76.87% of deposits as of Q3 2009.

Return on Assets (YTD, annualized)

-2.94%+138 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-128 bps YoY

Efficiency Ratio (YTD, annualized)

122.45%+5,986 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	-4.32%	-3.62%	-0.23%	-4.26%	-2.94%	+138 bps
Return on Equity	-36.54%	-31.82%	-2.43%	-41.83%	-28.96%	+758 bps
Net Interest Margin	3.67%	3.68%	2.57%	2.50%	2.39%	-128 bps
Efficiency Ratio	62.59%	68.96%	111.29%	116.44%	122.45%	+5,986 bps
Non-Interest Burden	2.19%	2.46%	2.87%	2.91%	2.90%	+72 bps
Growth
Asset Growth (YoY)	38.74%	11.72%	-8.86%	-5.81%	10.88%	-2,785 bps
Loan Growth (YoY)	42.27%	20.41%	-7.00%	-12.73%	-17.81%	-6,009 bps
Deposit Growth (YoY)	8.09%	50.78%	106.36%	44.81%	47.02%	+3,893 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.04%	0.19%	0.10%	4.58%	3.86%	+381 bps
Allowance / Loans	1.29%	1.59%	1.66%	3.97%	3.68%	+239 bps
Allowance Coverage of NPLs	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	n/a	n/a
Total Risk-Based Capital	10.04%	10.18%	10.20%	10.01%	6.92%	-312 bps
Equity / Assets	9.45%	9.63%	9.60%	11.34%	10.02%	+58 bps
Liquidity & Funding
Loans / Deposits	137.51%	126.39%	103.10%	95.50%	76.87%	-6,064 bps
Liquid Assets / Assets	0.02%	0.03%	0.03%	8.20%	21.60%	+2,158 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a