Opportunity Bank, National Association

Richardson, TX · Cert 58567

FDIC

Q1 2012

$53.5MAssets

$28.3MLoans

$45.0MDeposits

$8.2MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.11%, up 223 bps year over year; NIM at 4.75%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.05%.
Funding: loans stand at 62.90% of deposits as of Q1 2012.

Return on Assets (quarter, annualized)

0.11%+223 bps YoY

Net Interest Margin (quarter, annualized)

4.75%+41 bps YoY

Efficiency Ratio (quarter, annualized)

90.71%-5,874 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	YoY Δ	Trend
Earnings
Return on Assets	-2.12%	-2.75%	-1.17%	-1.04%	0.11%	+223 bps
Return on Equity	-14.22%	-18.20%	-7.60%	-6.75%	0.69%	+1,491 bps
Net Interest Margin	4.34%	5.23%	4.98%	4.58%	4.75%	+41 bps
Efficiency Ratio	149.45%	139.52%	122.53%	121.39%	90.71%	-5,874 bps
Non-Interest Burden	6.59%	7.32%	6.15%	5.61%	4.30%	-229 bps
Growth
Asset Growth (YoY)	-9.60%	-14.02%	-20.33%	-14.07%	-7.70%	+189 bps
Loan Growth (YoY)	-13.23%	-6.25%	-6.80%	0.76%	-17.09%	-386 bps
Deposit Growth (YoY)	-9.74%	-12.23%	-20.43%	-15.05%	-7.38%	+237 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.09%	0.16%	-0.06%	-0.01%	2.05%	+196 bps
Allowance / Loans	1.21%	1.52%	1.62%	1.66%	1.46%	+25 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	23.11%	22.64%	25.03%	24.57%	28.63%	+552 bps
Equity / Assets	14.91%	15.30%	15.50%	15.30%	15.39%	+48 bps
Liquidity & Funding
Loans / Deposits	70.27%	74.28%	73.24%	71.40%	62.90%	-737 bps
Liquid Assets / Assets	18.24%	21.58%	22.57%	19.14%	30.71%	+1,248 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a