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Letter portraitLegal landscapeQuarterYTD

Town North Bank Nevada, National Association

Las Vegas, NV · Cert 57969

FDIC

Q4 2011

$11.1MAssets
$4.5MLoans
$500KDeposits
$10.6MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ1 2010Q4 2011

Executive Summary

  • Earnings: ROA of 0.18%, up 852 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.77%.
  • Funding: loans stand at 906.20% of deposits as of Q4 2011.

Return on Assets (quarter, annualized)

0.18%+852 bps YoY

Net Interest Margin (quarter, annualized)

5.11%-129 bps YoY

Efficiency Ratio (quarter, annualized)

154.91%+1,331 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

3.31%Q4 ’096.61%Q4 ’105.18%Q4 ’11+95%-20%

Non-interest income vs. expense

6.66%Q4 ’0912.57%Q4 ’109.77%Q4 ’11+1561%-15%

Discrete quarter, annualized.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.33%0.10%-0.92%-8.34%-0.54%-1.33%-0.61%0.18%+852 bps
Return on Equity-0.34%0.10%-0.93%-8.74%-0.57%-1.40%-0.64%0.19%+893 bps
Net Interest Margin3.23%3.13%3.27%6.39%6.19%6.15%6.26%5.11%-129 bps
Efficiency Ratio60.76%70.95%68.97%141.60%129.05%115.10%107.05%154.91%+1,331 bps
Non-Interest Burden1.72%2.05%2.09%10.09%8.70%7.48%6.88%8.57%-152 bps
Growth
Asset Growth (YoY)-78.81%-4.71%-85.49%-83.72%-83.70%-83.66%-2.02%0.09%+8,381 bps
Loan Growth (YoY)-96.83%-34.32%-34.99%-35.18%-34.02%-36.13%-33.96%-32.98%+220 bps
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans17.32%15.49%17.16%8.11%12.13%10.99%9.10%7.77%-34 bps
Allowance / Loans15.06%14.72%15.89%17.26%15.49%14.88%13.81%10.73%-653 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital349%360%163.41%165.11%176.55%191.01%199.57%205%+3,958 bps
Equity / Assets98.94%99.24%95.39%95.32%95.29%95.23%95.20%95.30%-1 bps
Liquidity & Funding
Loans / Deposits1820%1652%1478%1352%1201%1055%976%906%-44,600 bps
Liquid Assets / Assets82.82%83.90%10.63%30.08%34.84%39.81%42.37%44.01%+1,393 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a