Inland Community Bank, National Association

Rialto, CA · Cert 32916

FDIC

Q3 2012

$212.3MAssets

$164.6MLoans

$173.6MDeposits

$28.5MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.69%, up 203 bps year over year; NIM at 3.96%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
Funding: loans stand at 94.78% of deposits as of Q3 2012.

Return on Assets (quarter, annualized)

0.69%+203 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+17 bps YoY

Efficiency Ratio (quarter, annualized)

75.26%-3,176 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	YoY Δ	Trend
Earnings
Return on Assets	-1.33%	-0.21%	0.21%	-0.20%	0.69%	+203 bps
Return on Equity	-11.71%	-1.77%	1.66%	-1.49%	5.13%	+1,684 bps
Net Interest Margin	3.79%	3.86%	3.69%	3.37%	3.96%	+17 bps
Efficiency Ratio	107.01%	101.37%	86.68%	99.32%	75.26%	-3,176 bps
Non-Interest Burden	4.31%	4.13%	3.25%	3.50%	2.88%	-142 bps
Growth
Asset Growth (YoY)	-15.90%	-15.43%	-12.53%	-19.29%	-11.59%	+431 bps
Loan Growth (YoY)	-27.88%	5.68%	-11.42%	-7.27%	9.13%	+3,701 bps
Deposit Growth (YoY)	-12.24%	-17.30%	-14.46%	-21.80%	-17.56%	-531 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	1.90%	0.75%	0.26%	0.66%	0.32%	-158 bps
Allowance / Loans	2.97%	2.41%	2.95%	2.80%	2.40%	-58 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	17.84%	17.26%	19.62%	18.94%	18.40%	+56 bps
Equity / Assets	11.59%	12.41%	12.57%	13.68%	13.43%	+185 bps
Liquidity & Funding
Loans / Deposits	71.60%	89.74%	74.27%	82.49%	94.78%	+2,318 bps
Liquid Assets / Assets	20.14%	4.73%	21.65%	13.68%	7.43%	-1,271 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a