Santa Clara Valley Bank, National Association

Santa Paula, CA · Cert 34806

FDIC · 3 branches

Q3 2014

$129.4MAssets

$63.4MLoans

$107.3MDeposits

$13.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Oxnard-Thousand Oaks-Ventura, CA · 2014 SOD (annual) · 0.6% share · #18 of 25 inst. · $0.1B of $16.2B

0.6% Ventura

0.0% Los Angeles

Earnings: ROA of -0.38%, down 26 bps year over year; NIM at 3.22%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
Funding: loans stand at 59.05% of deposits as of Q3 2014.

Return on Assets (YTD, annualized)

-0.38%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-12 bps YoY

Efficiency Ratio (YTD, annualized)

109.88%+679 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	-0.12%	-0.11%	-0.39%	-0.20%	-0.38%	-26 bps
Return on Equity	-1.06%	-1.06%	-3.70%	-1.87%	-3.55%	-249 bps
Net Interest Margin	3.34%	3.45%	3.13%	3.33%	3.22%	-12 bps
Efficiency Ratio	103.09%	98.82%	110.27%	105.06%	109.88%	+679 bps
Non-Interest Burden	3.46%	3.40%	3.51%	3.53%	3.60%	+14 bps
Growth
Asset Growth (YoY)	0.55%	-3.98%	-2.02%	-4.04%	-5.00%	-555 bps
Loan Growth (YoY)	-8.81%	-4.01%	-3.21%	-4.38%	-3.41%	+540 bps
Deposit Growth (YoY)	2.75%	-2.94%	-3.17%	-6.38%	-7.61%	-1,035 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.22%	0.35%	0.11%	0.05%	0.02%	-21 bps
Allowance / Loans	1.98%	1.77%	1.84%	1.87%	1.84%	-14 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	21.70%	21.35%	21.61%	21.86%	21.13%	-56 bps
Equity / Assets	10.31%	10.51%	10.70%	10.88%	10.68%	+37 bps
Liquidity & Funding
Loans / Deposits	56.48%	59.33%	59.80%	58.37%	59.05%	+257 bps
Liquid Assets / Assets	8.49%	4.48%	0.21%	0.22%	0.23%	-826 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a