Metro Commerce Bank

San Rafael, CA · Cert 32720

FDIC

Q4 2001

$229.9MAssets

$182.6MLoans

$211.0MDeposits

$16.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.36%, down 20 bps year over year; NIM at 5.44%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 86.57% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

1.36%-20 bps YoY

Net Interest Margin (YTD, annualized)

5.44%

Efficiency Ratio (YTD, annualized)

63.87%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.31%	1.42%	1.52%	1.55%	1.43%	1.48%	1.51%	1.36%	-20 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	5.88%	5.70%	5.37%	5.44%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	58.17%	57.34%	57.50%	63.87%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	3.20%	3.07%	2.90%	3.32%	n/a
Growth
Asset Growth (YoY)	22.77%	16.15%	7.99%	6.66%	2.90%	11.70%	9.88%	9.89%	+323 bps
Loan Growth (YoY)	24.72%	15.20%	19.19%	19.35%	13.66%	14.92%	13.85%	12.13%	-722 bps
Deposit Growth (YoY)	23.33%	15.96%	7.42%	5.43%	1.48%	12.33%	9.76%	10.88%	+545 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	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.25%	1.22%	1.27%	1.33%	n/a
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	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	10.88%	10.10%	10.08%	10.11%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	8.04%	7.09%	7.50%	7.24%	n/a
Liquidity & Funding
Loans / Deposits	74.24%	78.85%	81.96%	85.60%	83.15%	80.67%	85.01%	86.57%	+96 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.13%	0.13%	0.13%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a