United Americas Bank, National Association

Atlanta, GA · Cert 35065

FDIC

Q3 2010

$242.3MAssets

$185.7MLoans

$193.8MDeposits

$-1833KEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -4.31%, down 433 bps year over year; NIM at 1.88%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
Funding: loans stand at 95.83% of deposits as of Q3 2010.

Return on Assets (quarter, annualized)

-4.31%-433 bps YoY

Net Interest Margin (quarter, annualized)

1.88%-31 bps YoY

Efficiency Ratio (quarter, annualized)

132.17%+5,122 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2009	Q4 2009	Q1 2010	Q2 2010	Q3 2010	YoY Δ	Trend
Earnings
Return on Assets	0.02%	-9.32%	-0.53%	-20.49%	-4.31%	-433 bps
Return on Equity	0.20%	-139.17%	-9.05%	-603%	2045%	+204,511 bps
Net Interest Margin	2.19%	2.00%	1.74%	1.87%	1.88%	-31 bps
Efficiency Ratio	80.94%	128.95%	132.56%	141.07%	132.17%	+5,122 bps
Non-Interest Burden	1.64%	2.65%	2.45%	2.84%	2.61%	+96 bps
Growth
Asset Growth (YoY)	5.50%	8.31%	9.08%	1.22%	-4.15%	-965 bps
Loan Growth (YoY)	-4.96%	-5.50%	-4.44%	-9.16%	-11.42%	-646 bps
Deposit Growth (YoY)	12.43%	26.60%	26.96%	19.98%	10.67%	-176 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.10%	8.30%	0.47%	10.69%	0.45%	+34 bps
Allowance / Loans	1.76%	3.43%	3.49%	6.63%	7.85%	+609 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	11.28%	8.51%	8.67%	0.77%	-1.13%	-1,241 bps
Equity / Assets	8.03%	5.41%	6.29%	0.32%	-0.76%	-879 bps
Liquidity & Funding
Loans / Deposits	119.72%	105.21%	104.66%	96.55%	95.83%	-2,390 bps
Liquid Assets / Assets	0.29%	10.41%	7.65%	11.97%	13.42%	+1,313 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a