Cactus Commerce Bank, An Arizona Banking Corporation

Glendale, AZ · Cert 57645

FDIC

Q2 2009

$158.5MAssets

$78.5MLoans

$143.8MDeposits

$13.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -8.95%, down 640 bps year over year; NIM at 0.57%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 11.72%.
Funding: loans stand at 54.54% of deposits as of Q2 2009.

Return on Assets (YTD, annualized)

-8.95%-640 bps YoY

Net Interest Margin (YTD, annualized)

0.57%-325 bps YoY

Efficiency Ratio (YTD, annualized)

794%+68,295 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2008	Q3 2008	Q4 2008	Q1 2009	Q2 2009	YoY Δ	Trend
Earnings
Return on Assets	-2.55%	-2.00%	-10.77%	-5.73%	-8.95%	-640 bps
Return on Equity	-8.46%	-7.25%	-44.51%	-43.36%	-77.36%	-6,891 bps
Net Interest Margin	3.82%	2.99%	2.55%	1.14%	0.57%	-325 bps
Efficiency Ratio	111.20%	113.49%	133.40%	354%	794%	+68,295 bps
Non-Interest Burden	4.31%	3.45%	10.69%	4.28%	4.06%	-26 bps
Growth
Asset Growth (YoY)	39.66%	56.61%	54.68%	31.95%	26.93%	-1,273 bps
Loan Growth (YoY)	89.57%	74.01%	22.54%	6.54%	-26.81%	-11,638 bps
Deposit Growth (YoY)	37.83%	93.97%	143.26%	70.48%	92.77%	+5,494 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.12%	0.04%	0.21%	7.22%	11.72%	+1,184 bps
Allowance / Loans	2.84%	3.27%	4.28%	3.82%	4.29%	+145 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	19.63%	19.34%	18.84%	18.96%	15.77%	-386 bps
Equity / Assets	25.70%	21.97%	13.41%	13.01%	8.56%	-1,714 bps
Liquidity & Funding
Loans / Deposits	143.65%	92.44%	72.55%	73.28%	54.54%	-8,911 bps
Liquid Assets / Assets	0.00%	0.00%	0.02%	23.76%	36.16%	+3,616 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a