Silverton Bridge Bank, N.A.

Atlanta, GA · Cert 58987

FDIC

Q2 2010

$700.3MAssets

$56KLoans

$29.2MDeposits

$671.1MEquity

Deposit mix

Executive Summary

Earnings: ROA of 0.90%, up 540 bps year over year; NIM at 0.59%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 0.19% of deposits as of Q2 2010.

Return on Assets (quarter, annualized)

0.90%+540 bps YoY

Net Interest Margin (quarter, annualized)

0.59%+101 bps YoY

Efficiency Ratio (quarter, annualized)

-4.11%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2009	Q3 2009	Q4 2009	Q1 2010	Q2 2010	YoY Δ	Trend
Earnings
Return on Assets	-4.50%	-0.83%	-2.11%	0.09%	0.90%	+540 bps
Return on Equity	n/a	-1.83%	-2.24%	0.10%	0.94%	n/a
Net Interest Margin	-0.42%	1.18%	1.04%	0.66%	0.59%	+101 bps
Efficiency Ratio	n/a	166.03%	798%	81.83%	-4.11%	n/a
Non-Interest Burden	n/a	3.15%	9.54%	0.54%	-0.25%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-69.38%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-99.71%	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	-98.07%	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	60.80%	232%	159.34%	98.69%	105.14%	+4,435 bps
Equity / Assets	30.10%	91.95%	96.77%	96.29%	95.83%	+6,574 bps
Liquidity & Funding
Loans / Deposits	1.30%	1.92%	47.93%	0.01%	0.19%	-110 bps
Liquid Assets / Assets	1.59%	56.01%	52.11%	4.99%	0.35%	-124 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a