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Focus Business Bank

San Jose, CA · Cert 58474

FDIC · 1 branch

Q2 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Focus Business Bank

San Jose, CA · Cert 58474

FDIC · 1 branch

Q2 2015

$407.6MAssets
$189.2MLoans
$377.3MDeposits
$29.1MEquity
Loan mix
42%RE $42.4M57%C&I $56.4M1%Consumer $0.9MQ2 2014Q2 2015
Deposit mix
69%Interest-bearing $261.3M31%Noninterest $116.1MQ2 2014Q2 2015

NIM

2.80%Q2 ’132.56%Q2 ’142.65%Q2 ’15-8%+6%

Non-interest income vs. expense

2.65%Q2 ’132.33%Q2 ’142.95%Q2 ’15-20%+21%

Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2015 SOD (annual) · 0.3% share · #21 of 49 inst. · $0.4B of $115.1B

Executive Summary

  • Earnings: ROA of 0.18%, down 15 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.40%.
  • Funding: loans stand at 50.14% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.18%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+14 bps YoY

Efficiency Ratio (YTD, annualized)

88.66%+930 bps YoY

Tier 1 Leverage Ratio

7.40%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.33%0.31%0.32%0.41%0.18%-15 bps
Return on Equity4.15%4.07%4.19%5.60%2.49%-166 bps
Net Interest Margin2.35%2.20%2.19%2.56%2.49%+14 bps
Efficiency Ratio79.36%80.83%81.05%80.08%88.66%+930 bps
Non-Interest Burden1.75%1.68%1.69%1.81%2.11%+37 bps
Growth
Asset Growth (YoY)41.72%44.90%25.15%18.19%10.34%-3,138 bps
Loan Growth (YoY)21.47%25.53%29.98%20.55%29.90%+844 bps
Deposit Growth (YoY)45.87%48.85%26.77%19.25%10.84%-3,502 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.27%0.13%0.09%0.00%0.00%-27 bps
Allowance / Loans1.74%1.53%1.47%1.51%1.44%-29 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a7.51%7.40%n/a
Total Risk-Based Capital13.73%15.24%14.71%15.39%14.84%+111 bps
Equity / Assets7.53%6.91%7.28%7.33%7.14%-39 bps
Liquidity & Funding
Loans / Deposits42.78%44.69%50.49%49.22%50.14%+736 bps
Liquid Assets / Assets33.42%33.68%32.02%34.98%34.48%+106 bps
CRE / Total Capitaln/an/an/an/an/an/an/a