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Alta Alliance Bank

Oakland, CA · Cert 58400

FDIC

Q3 2010

$213.3MAssets
$125.9MLoans
$185.5MDeposits
$27.2MEquity
Loan mix
77%RE $72.1M23%C&I $21.5M0%Consumer $0.0MQ3 2009Q3 2010
Deposit mix
90%Interest-bearing $167.8M10%Noninterest $17.7MQ3 2009Q3 2010

NIM

4.81%Q3 ’084.21%Q3 ’094.72%Q3 ’10-18%+57%

Non-interest income vs. expense

5.13%Q3 ’084.78%Q3 ’093.52%Q3 ’10-8%-27%

Executive Summary

  • Earnings: ROA of 1.04%, up 363 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.15%.
  • Funding: loans stand at 67.88% of deposits as of Q3 2010.

Financial Results

Return on Assets (quarter, annualized)

1.04%+363 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+142 bps YoY

Efficiency Ratio (quarter, annualized)

85.05%-8,792 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-2.59%-0.62%-0.21%0.79%11.04%+363 bps
Return on Equity-21.67%-4.27%-1.56%6.02%8.02%+2,968 bps
Net Interest Margin2.51%3.20%3.64%3.92%3.93%+142 bps
Efficiency Ratio172.97%122.30%102.08%84.23%85.05%-8,792 bps
Non-Interest Burden4.53%3.97%3.72%3.27%3.31%-122 bps
Growth
Asset Growth (YoY)38.92%25.56%32.29%15.88%21.09%-1,784 bps
Loan Growth (YoY)29.04%11.89%14.21%15.97%25.78%-326 bps
Deposit Growth (YoY)79.46%33.11%26.98%9.09%24.42%-5,504 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.49%0.33%0.72%0.56%-0.15%-164 bps
Allowance / Loans2.78%2.56%2.22%1.94%1.56%-121 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 Capital21.77%20.57%18.98%18.40%18.78%-299 bps
Equity / Assets14.76%14.45%12.99%13.17%12.75%-201 bps
Liquidity & Funding
Loans / Deposits67.14%69.85%65.06%69.71%67.88%+73 bps
Liquid Assets / Assets20.45%2.23%10.13%0.69%6.40%-1,405 bps
CRE / Total Capitaln/an/an/an/an/an/an/a