1st Enterprise Bank

Los Angeles, CA · Cert 58321

FDIC · 3 branches

Q3 2014

$800.7MAssets

$569.9MLoans

$690.7MDeposits

$74.7MEquity

Loan mix

Deposit mix

NIM

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.2% share · #44 of 135 inst. · $0.6B of $404.0B

0.2% Los Angeles

0.3% Orange

0.5% San Bernardino

Earnings: ROA of 1.22%, up 45 bps year over year; NIM at 3.33%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.95%.
Funding: loans stand at 82.52% of deposits as of Q3 2014.

Return on Assets (quarter, annualized)

1.22%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+28 bps YoY

Efficiency Ratio (quarter, annualized)

56.90%-983 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.77%	0.64%	0.78%	0.51%	1.22%	+45 bps
Return on Equity	8.19%	6.91%	8.58%	5.52%	13.20%	+501 bps
Net Interest Margin	3.05%	3.14%	3.24%	3.24%	3.33%	+28 bps
Efficiency Ratio	66.73%	66.78%	67.13%	76.41%	56.90%	-983 bps
Non-Interest Burden	1.86%	1.92%	2.02%	2.35%	1.69%	-18 bps
Growth
Asset Growth (YoY)	10.50%	7.63%	10.56%	10.31%	9.49%	-101 bps
Loan Growth (YoY)	21.69%	23.61%	20.79%	23.72%	22.83%	+114 bps
Deposit Growth (YoY)	6.36%	5.02%	8.34%	15.43%	9.72%	+336 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.01%	0.00%	0.00%	-0.02%	0.95%	+95 bps
Allowance / Loans	1.25%	1.29%	1.27%	1.16%	0.79%	-46 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	12.52%	12.04%	12.17%	11.55%	11.38%	-114 bps
Equity / Assets	9.35%	9.12%	9.16%	9.15%	9.33%	-2 bps
Liquidity & Funding
Loans / Deposits	73.71%	78.60%	78.79%	79.40%	82.52%	+881 bps
Liquid Assets / Assets	10.29%	8.94%	11.76%	9.16%	10.32%	+3 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a