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SAFE & SOUND® STAR RATINGS

Financial statement

ARMED FORCES BANK OF CALIFORNIA, NATIONAL ASSOCIATION
2260 CALLAGAN HIGHWAY BUILDING S/B 3379 SUITE 1
SAN DIEGO, California 92136

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 2845205




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$20,451$25,744$17,725
Loans Receivable, Net3,2721,6381,459
Mortgage-Backed Securities2,9813,8650
Investments4,2054,2563,199
Deposits14,18019,66111,951
Borrowings000
Equity5,6755,5455,140
Net Interest Income244141157
Fee Income1,5161,7472,135
Overhead3,2883,2223,215
Net Operating Income159593834
Net Income96361509
Ratio Analysis Profitability%%%
Return on Assets *0.441.862.44
Operating Return on Assets *0.733.064.00
Return on Equity *1.716.728.77
Net Interest Margin *1.510.941.19
Fee Income / Assets *6.959.0310.24
Overhead / Assets *15.0616.6615.42
Efficiency Ratio91.6683.878.7
Asset Quality%%%
Nonperforming Assets / Assets0.000.002.12
Nonperforming Assets / Equity & Loss Reserves0.000.007.08
Loss Reserves / Nonperforming Loansn/a4.8811.79
1-4 Fam Mtg + MBS / Assets20.9120.204.84
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets8.860.000.00
Consumer Loans / Assets0.550.961.90
Capitalization%%%
Equity / Assets27.7521.5429.00
Tangible Capital / Tangible Assets27.7521.5429.00
Risk-based Capital Ratio102.24143.63161.81
Liquidity%%%
Loans / Deposits23.078.3312.21
Non-Interest Bearing Deposits / Deposits37.6427.1836.67
Purchased Liabilities0.003.855.61

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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