Arcus Financial Bank

Salt Lake City, UT · Cert 58612

FDIC

Q2 2010

$40.0MAssets

n/aLoans

$2.3MDeposits

$36.1MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

5.34%¹+572 bps YoY

Net Interest Margin (quarter, annualized)

1.46%+15 bps YoY

Efficiency Ratio (quarter, annualized)

61.92%-6,991 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	Q4 2009	Q1 2010	Q2 2010	YoY Δ	Trend
Earnings
Return on Assets	-0.34%	-4.41%	-0.15%	-0.37%	-0.11%	-0.16%	0.22%¹	5.34%¹	+572 bps
Return on Equity	n/a	-12.58%	-0.75%	-2.00%	-0.58%	-0.86%	1.18%	17.64%	+1,963 bps
Net Interest Margin	0.26%	2.17%	1.26%	1.31%	1.64%	1.69%	1.53%	1.46%	+15 bps
Efficiency Ratio	324%	542%	117.31%	131.83%	130.43%	119.01%	98.23%	61.92%	-6,991 bps
Non-Interest Burden	n/a	11.75%	1.48%	1.73%	2.14%	2.01%	1.51%	0.90%	-84 bps
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	427%	14.18%	5.45%	-78.53%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	52.54%	1.86%	-98.47%	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	493%	106.20%	76.99%	63.68%	51.23%	50.06%	49.83%	583%	+51,967 bps
Equity / Assets	99.36%	21.00%	18.65%	18.64%	18.60%	18.53%	18.03%	90.37%	+7,174 bps
Liquidity & Funding
Loans / Deposits	n/a	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.26%	0.22%	0.20%	6.09%	29.74%	+2,947 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a