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Nuestro Banco

Raleigh, NC · Cert 58550

FDIC

Q4 2009

$15.5MAssets
$8.0MLoans
$8.3MDeposits
$7.1MEquity
Deposit mix
91%Interest-bearing $7.5M9%Noninterest $0.7MQ4 2008Q4 2009

NIM

2.38%Q4 ’074.68%Q4 ’085.25%Q4 ’09+91%+21%

Non-interest income vs. expense

17.00%Q4 ’0716.40%Q4 ’0811.81%Q4 ’09-5%-31%

Executive Summary

  • Earnings: ROA of -10.76%, up 919 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.60%.
  • Funding: loans stand at 97.27% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-10.76%+919 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+75 bps YoY

Efficiency Ratio (YTD, annualized)

235%-17,896 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-19.94%-12.59%-10.07%-8.52%-10.76%+919 bps
Return on Equity-30.57%-23.78%-19.64%-16.78%-21.55%+902 bps
Net Interest Margin3.58%4.10%3.99%4.30%4.33%+75 bps
Efficiency Ratio414%279%266%236%235%-17,896 bps
Non-Interest Burden16.03%12.38%11.72%11.12%11.13%-490 bps
Growth
Asset Growth (YoY)17.00%3.84%1.39%-8.30%-8.21%-2,520 bps
Loan Growth (YoY)392%121.55%29.67%-2.98%-6.88%-39,862 bps
Deposit Growth (YoY)274%78.75%42.85%4.19%8.84%-26,499 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.30%5.38%3.73%2.66%6.60%+30 bps
Allowance / Loans6.91%6.50%5.97%6.36%9.99%+308 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 Capital99.27%86.26%82.94%85.69%90.96%-831 bps
Equity / Assets54.66%51.25%48.02%49.23%46.16%-850 bps
Liquidity & Funding
Loans / Deposits113.68%120.70%111.18%112.24%97.27%-1,642 bps
Liquid Assets / Assets18.94%12.76%19.61%13.10%2.64%-1,630 bps
CRE / Total Capitaln/an/an/an/an/an/an/a