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East Valley Community Bank

Chandler, AZ · Cert 35188

FDIC

Q4 2006

$36.0MAssets
$31.9MLoans
$26.0MDeposits
$5.6MEquity
Loan mix
41%RE $1.7M59%C&I $2.5M1%Consumer $0.0MQ1 2005Q4 2006
Deposit mix
72%Interest-bearing $18.7M28%Noninterest $7.2MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 1.25%, up 59 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 122.74% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

1.25%+59 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-43 bps YoY

Efficiency Ratio (YTD, annualized)

71.37%-1,093 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.31%Q4 ’047.52%Q4 ’057.74%Q4 ’06+10%-8%

Non-interest income vs. expense

4.73%Q4 ’044.97%Q4 ’054.01%Q4 ’06+8%-23%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets0.31%0.43%0.58%0.67%1.77%1.48%1.34%1.25%+59 bps
Return on Equity3.12%4.34%5.75%6.39%14.85%12.06%10.62%9.53%+314 bps
Net Interest Margin4.93%4.99%5.09%5.34%4.74%4.73%5.02%4.91%-43 bps
Efficiency Ratio87.85%85.08%84.25%82.31%59.10%65.31%67.86%71.37%-1,093 bps
Non-Interest Burden4.25%4.12%4.18%4.27%2.20%2.75%3.14%3.31%-97 bps
Growth
Asset Growth (YoY)14.67%18.23%-6.33%-6.86%-10.37%-16.16%-11.99%-17.07%-1,021 bps
Loan Growth (YoY)22.77%14.20%1.79%-9.63%-20.05%-20.43%-15.44%-17.65%-802 bps
Deposit Growth (YoY)11.09%4.00%-18.07%-18.31%-20.08%-19.43%-17.05%-20.07%-176 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.30%1.27%1.28%1.33%1.14%1.02%1.01%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.22%10.49%11.05%11.97%13.26%13.54%14.11%15.43%+347 bps
Equity / Assets9.91%9.89%10.90%11.77%12.13%13.06%13.69%15.62%+385 bps
Liquidity & Funding
Loans / Deposits105.57%113.48%117.56%119.13%105.61%112.07%119.84%122.74%+361 bps
Liquid Assets / Assets0.00%0.26%0.10%0.45%0.41%7.54%0.45%0.39%-6 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a