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Global Trust Bank

Mountain View, CA · Cert 58808

FDIC

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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

Global Trust Bank

Mountain View, CA · Cert 58808

FDIC

Q3 2011

$86.7MAssets
$57.6MLoans
$70.8MDeposits
$15.6MEquity
Loan mix
52%RE $24.1M45%C&I $21.0M4%Consumer $1.7MQ3 2010Q3 2011
Deposit mix
89%Interest-bearing $63.2M11%Noninterest $7.6MQ3 2010Q3 2011

NIM

1.90%Q3 ’093.66%Q3 ’104.01%Q3 ’11+112%+25%

Non-interest income vs. expense

8.20%Q3 ’095.29%Q3 ’103.76%Q3 ’11-41%-18%

Executive Summary

  • Earnings: ROA of -0.91%, up 157 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 81.36% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.91%+157 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+63 bps YoY

Efficiency Ratio (YTD, annualized)

117.77%-4,295 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.49%-2.60%-2.99%-1.79%-0.91%+157 bps
Return on Equity-8.65%-9.34%-13.14%-8.21%-4.42%+424 bps
Net Interest Margin2.53%2.71%3.12%3.26%3.16%+63 bps
Efficiency Ratio160.72%159.55%169.43%140.21%117.77%-4,295 bps
Non-Interest Burden4.53%4.70%5.25%4.58%3.72%-81 bps
Growth
Asset Growth (YoY)60.84%27.04%24.87%17.67%45.64%-1,520 bps
Loan Growth (YoY)57.65%57.44%83.43%75.60%91.11%+3,346 bps
Deposit Growth (YoY)122.65%45.60%38.69%42.64%66.53%-5,611 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.10%2.12%2.07%1.71%1.66%-44 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 Capital46.27%39.23%32.47%27.50%25.64%-2,063 bps
Equity / Assets27.65%24.42%21.28%20.01%17.98%-967 bps
Liquidity & Funding
Loans / Deposits70.90%75.76%79.84%89.66%81.36%+1,046 bps
Liquid Assets / Assets42.76%30.19%20.08%17.41%13.23%-2,952 bps
CRE / Total Capitaln/an/an/an/an/an/an/a