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Jpmorgan Bank and Trust Company, National Association

San Francisco, CA · Cert 58729

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

Jpmorgan Bank and Trust Company, National Association

San Francisco, CA · Cert 58729

FDIC · 1 branch

Q2 2015

$15.6BAssets
$5.1BLoans
$25.2MDeposits
$1.6BEquity
Deposit mix
100%Interest-bearing $25.2M0%Noninterest $0.0MQ3 2013Q2 2015

Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #70 of 75 inst. · $0.0B of $310.7B

Executive Summary

  • Earnings: ROA of 1.30%, down 53 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 13.61%.
  • Funding: loans stand at 20309.24% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

1.30%-53 bps YoY

Net Interest Margin (YTD, annualized)

1.87%-123 bps YoY

Efficiency Ratio (YTD, annualized)

10.57%+238 bps YoY

Tier 1 Leverage Ratio

13.61%

NIM

3.83%Q2 ’133.96%Q2 ’142.38%Q2 ’15+6%-40%

Non-interest income vs. expense

0.35%Q2 ’130.26%Q2 ’140.20%Q2 ’15-34%-16%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets2.69%2.49%1.89%1.84%1.88%1.94%1.51%1.30%-53 bps
Return on Equity18.81%16.67%10.34%9.96%9.66%9.49%8.05%8.81%-115 bps
Net Interest Margin2.89%3.35%3.25%3.10%3.45%3.58%3.15%1.87%-123 bps
Efficiency Ratio11.91%11.51%6.72%8.19%8.20%8.29%10.16%10.57%+238 bps
Non-Interest Burden0.32%0.36%0.17%0.22%0.25%0.27%0.31%0.19%-4 bps
Growth
Asset Growth (YoY)-34.98%-17.41%-17.23%-20.80%-33.37%-21.59%34.27%97.02%+11,782 bps
Loan Growth (YoY)-50.25%-17.16%-16.75%-15.74%-15.23%-15.36%-16.01%-16.86%-113 bps
Deposit Growth (YoY)0.24%0.22%0.20%0.18%0.17%0.16%0.16%0.17%-1 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.49%0.43%0.16%0.04%0.01%-0.05%0.27%0.14%+10 bps
Allowance / Loans1.18%1.23%1.28%1.33%1.39%1.42%1.41%1.41%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a24.63%13.61%n/a
Total Risk-Based Capital31.51%34.68%0.36%0.38%0.42%0.45%39.20%33.51%+3,313 bps
Equity / Assets14.16%18.06%18.42%18.82%23.03%25.34%15.00%10.44%-838 bps
Liquidity & Funding
Loans / Deposits27640%26481%25446%24469%23392%22378%21338%20309%-416,021 bps
Liquid Assets / Assets0.00%0.03%0.00%0.01%0.00%0.02%44.40%63.24%+6,323 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a