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Letter portraitLegal landscapeQuarterYTD

Private Bank of California, The

Los Angeles, CA · Cert 58099

FDIC

Q2 2013

$656.6MAssets
$396.1MLoans
$561.5MDeposits
$50.6MEquity
Loan mix
56%RE $185.6M39%C&I $129.8M4%Consumer $14.1MQ2 2012Q2 2013
Deposit mix
58%Interest-bearing $325.6M42%Noninterest $235.9MQ2 2012Q2 2013

NIM

3.51%Q2 ’113.03%Q2 ’122.83%Q2 ’13-14%-4%

Non-interest income vs. expense

2.63%Q2 ’112.47%Q2 ’122.97%Q2 ’13-8%+19%

Executive Summary

  • Earnings: ROA of 0.43%, up 7 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 70.55% of deposits as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

0.43%1+7 bps YoY

Net Interest Margin (quarter, annualized)

2.61%-11 bps YoY

Efficiency Ratio (quarter, annualized)

109.73%+2,049 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.37%0.31%10.38%10.26%10.43%1+7 bps
Return on Equity4.67%3.96%5.12%3.42%5.62%+95 bps
Net Interest Margin2.72%2.75%2.54%2.56%2.61%-11 bps
Efficiency Ratio89.24%86.80%95.53%93.51%109.73%+2,049 bps
Non-Interest Burden2.42%2.38%2.42%2.39%2.87%+45 bps
Growth
Asset Growth (YoY)29.95%20.84%19.39%5.21%2.80%-2,715 bps
Loan Growth (YoY)17.61%21.83%23.90%17.70%24.54%+694 bps
Deposit Growth (YoY)35.82%20.09%17.18%2.01%1.59%-3,423 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.31%-0.04%-0.01%-0.05%-1 bps
Allowance / Loans1.84%1.79%1.75%1.82%1.86%+2 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 Capital14.84%14.74%14.08%13.95%13.95%-89 bps
Equity / Assets7.93%7.65%7.36%7.75%7.71%-22 bps
Liquidity & Funding
Loans / Deposits57.55%57.17%64.24%64.79%70.55%+1,300 bps
Liquid Assets / Assets0.51%1.31%0.45%0.53%0.89%+37 bps
CRE / Total Capitaln/an/an/an/an/an/an/a