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 -12.38%, down 813 bps year over year; NIM at 0.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 15.32%.
Funding: loans stand at 54.54% of deposits as of Q2 2009.

Return on Assets (quarter, annualized)

-12.38%-813 bps YoY

Net Interest Margin (quarter, annualized)

0.12%-380 bps YoY

Efficiency Ratio (quarter, annualized)

794%+68,215 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2008	Q3 2008	Q4 2008	Q1 2009	Q2 2009	YoY Δ	Trend
Earnings
Return on Assets	-4.25%	-1.13%	-31.58%	-5.73%	-12.38%	-813 bps
Return on Equity	-15.00%	-4.79%	-179.38%	-43.36%	-116.37%	-10,137 bps
Net Interest Margin	3.92%	2.74%	1.36%	1.14%	0.12%	-380 bps
Efficiency Ratio	112.00%	118.64%	262%	354%	794%	+68,215 bps
Non-Interest Burden	4.45%	3.32%	32.56%	4.28%	4.26%	-19 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	-0.37%	0.39%	0.70%	7.22%	15.32%	+1,569 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