Western National Trust Company

Los Angeles, CA · Cert 57638

FDIC

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Los Angeles, CA · Cert 57638

FDIC

Q3 2015

$18.5MAssets

n/aLoans

n/aDeposits

$17.7MEquity

Return on Assets (YTD, annualized)

4.12%-34 bps YoY

Net Interest Margin (YTD, annualized)

0.19%+1 bps YoY

Efficiency Ratio (YTD, annualized)

75.09%+93 bps YoY

Tier 1 Leverage Ratio

97.22%

Year to date, annualized, through each quarter.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	4.46%	4.67%	4.02%	5.19%	4.12%	-34 bps
Return on Equity	4.67%	4.91%	4.23%	5.44%	4.32%	-35 bps
Net Interest Margin	0.18%	0.18%	0.18%	0.18%	0.19%	+1 bps
Efficiency Ratio	74.16%	73.28%	76.52%	69.55%	75.09%	+93 bps
Non-Interest Burden	-7.31%	-7.78%	-6.44%	-8.37%	-6.54%	+77 bps
Growth
Asset Growth (YoY)	2.42%	5.13%	5.04%	4.27%	7.72%	+531 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
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	96.52%	98.01%	97.22%	n/a
Total Risk-Based Capital	422%	411%	426%	424%	426%	+357 bps
Equity / Assets	98.83%	94.23%	96.05%	96.05%	95.81%	-302 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	92.34%	93.14%	93.60%	93.50%	93.72%	+138 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a