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Letter portraitLegal landscapeQuarterYTD

Regents Bank, National Association

La Jolla, CA · Cert 57177

FDIC

Q2 2013

$587.5MAssets
$428.5MLoans
$505.6MDeposits
$79.4MEquity
Loan mix
69%RE $209.8M30%C&I $90.8M1%Consumer $4.3MQ2 2012Q2 2013
Deposit mix
60%Interest-bearing $302.6M40%Noninterest $203.0MQ2 2012Q2 2013

NIM

4.18%Q2 ’115.62%Q2 ’124.52%Q2 ’13+37%-21%

Non-interest income vs. expense

3.12%Q2 ’113.38%Q2 ’123.51%Q2 ’13+8%+8%

Executive Summary

  • Earnings: ROA of 0.35%, down 63 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 84.75% of deposits as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

0.35%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.33%-113 bps YoY

Efficiency Ratio (quarter, annualized)

76.21%+1,901 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.98%0.17%-0.35%0.31%0.35%-63 bps
Return on Equity7.32%1.30%-2.65%2.43%2.69%-463 bps
Net Interest Margin5.46%4.14%4.25%4.34%4.33%-113 bps
Efficiency Ratio57.20%78.66%69.58%77.06%76.21%+1,901 bps
Non-Interest Burden3.08%3.29%2.97%3.24%3.33%+25 bps
Growth
Asset Growth (YoY)0.34%2.57%80.07%73.66%65.05%+6,471 bps
Loan Growth (YoY)-4.22%7.34%85.36%96.44%106.42%+11,064 bps
Deposit Growth (YoY)-2.59%-0.11%77.77%74.20%64.99%+6,757 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%0.00%1.74%0.06%0.23%-20 bps
Allowance / Loans0.27%0.51%0.37%0.56%0.64%+36 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.32%16.77%13.90%13.91%13.71%-461 bps
Equity / Assets13.55%13.44%12.79%12.88%13.51%-4 bps
Liquidity & Funding
Loans / Deposits67.74%71.60%74.91%77.84%84.75%+1,701 bps
Liquid Assets / Assets30.03%20.58%15.67%15.05%8.58%-2,145 bps
CRE / Total Capitaln/an/an/an/an/an/an/a