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Letter portraitLegal landscapeQuarterYTD

California General Bank, N.A.

Pasadena, CA · Cert 58674

FDIC

Q1 2012

$230.2MAssets
$167.2MLoans
$192.7MDeposits
$33.9MEquity
Loan mix
56%RE $60.9M42%C&I $46.4M2%Consumer $2.4MQ1 2011Q1 2012
Deposit mix
62%Interest-bearing $120.4M38%Noninterest $72.4MQ1 2011Q1 2012

NIM

2.92%Q1 ’104.53%Q1 ’114.50%Q1 ’12+134%+3%

Non-interest income vs. expense

7.21%Q1 ’105.00%Q1 ’117.51%Q1 ’12-35%+48%

Executive Summary

  • Earnings: ROA of -0.94%, down 19 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 86.75% of deposits as of Q1 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.94%-19 bps YoY

Net Interest Margin (quarter, annualized)

4.28%+11 bps YoY

Efficiency Ratio (quarter, annualized)

149.34%+4,187 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.75%1.51%-1.52%0.46%-0.94%-19 bps
Return on Equity-6.64%12.05%-11.14%3.24%-6.41%+23 bps
Net Interest Margin4.18%7.36%5.33%5.54%4.28%+11 bps
Efficiency Ratio107.47%80.28%83.97%63.46%149.34%+4,187 bps
Non-Interest Burden4.63%6.18%4.52%2.80%6.85%+223 bps
Growth
Asset Growth (YoY)399%333%291%-23.55%-21.46%-42,093 bps
Loan Growth (YoY)824%517%397%-14.78%-10.85%-83,465 bps
Deposit Growth (YoY)483%384%326%-26.88%-24.38%-50,772 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%-0.39%0.76%3.33%0.07%+6 bps
Allowance / Loans0.75%0.79%1.60%1.40%1.14%+39 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 Capital16.26%17.90%19.32%19.22%18.98%+272 bps
Equity / Assets11.59%13.62%13.75%14.50%14.71%+311 bps
Liquidity & Funding
Loans / Deposits73.59%80.60%75.68%83.88%86.75%+1,316 bps
Liquid Assets / Assets25.49%19.24%25.45%17.87%18.93%-655 bps
CRE / Total Capitaln/an/an/an/an/an/an/a