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Eastside Commercial Bank, National Association

Bellevue, WA · Cert 57132

FDIC · 1 branch

Q1 2015

$27.1MAssets
$20.1MLoans
$26.0MDeposits
$933KEquity
Loan mix
82%RE $14.7M17%C&I $3.1M0%Consumer $0.0MQ1 2014Q1 2015
Deposit mix
77%Interest-bearing $20.0M23%Noninterest $6.1MQ1 2014Q1 2015

NIM

3.62%Q1 ’133.40%Q1 ’143.61%Q1 ’15-8%+10%

Non-interest income vs. expense

5.61%Q1 ’1311.56%Q1 ’146.22%Q1 ’15+107%-48%

Financial Results

Return on Assets (quarter, annualized)

-2.79%+602 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+28 bps YoY

Efficiency Ratio (quarter, annualized)

180.16%-19,670 bps YoY

Tier 1 Leverage Ratio

2.99%

Discrete quarter, annualized.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Return on Assets-8.82%-7.65%-3.84%-0.83%-2.79%+602 bps
Net Interest Margin2.80%3.11%2.80%2.87%3.08%+28 bps
Non-Interest Burden11.30%10.60%6.67%3.70%5.84%-546 bps
Loan Growth (YoY)-0.28%-25.18%-26.71%-26.85%-26.51%-2,623 bps
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.92%4.55%4.98%5.13%5.51%+159 bps
Tier 1 Leverage Ration/an/an/an/a2.99%n/an/a
Equity / Assets4.02%2.31%1.39%3.57%3.44%-58 bps
Liquid Assets / Assets23.24%29.72%33.04%30.96%24.08%+84 bps