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ARMED FORCES BANK OF CALIFORNIA, NATIONAL ASSOCIATION

2260 CALLAGAN HIGHWAY
SAN DIEGO, California 92136

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 2845205




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$16,903$19,307$20,451
Loans Receivable, Net7,8425,4503,272
Mortgage-Backed Securities3,0753,6372,981
Investments5721,0684,205
Deposits10,77812,95614,180
Borrowings000
Equity5,8865,9615,675
Net Interest Income357270244
Fee Income1,0421,2861,516
Overhead2,9393,0933,288
Net Operating Income-166110159
Net Income-10536296
Ratio Analysis Profitability%%%
Return on Assets *-0.581.870.44
Operating Return on Assets *-0.920.570.73
Return on Equity *-1.776.321.71
Net Interest Margin *2.641.811.51
Fee Income / Assets *5.776.666.95
Overhead / Assets *16.2716.0115.06
Efficiency Ratio104.1195.9791.66
Asset Quality%%%
Nonperforming Assets / Assets0.010.000.00
Nonperforming Assets / Equity & Loss Reserves0.020.000.00
Loss Reserves / Nonperforming Loans11400.00n/an/a
1-4 Fam Mtg + MBS / Assets41.9731.8520.91
Commercial Real Estate Loans / Assets7.870.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets13.7614.588.86
Consumer Loans / Assets1.200.640.55
Capitalization%%%
Equity / Assets34.8230.8727.75
Tangible Capital / Tangible Assets34.8230.8727.75
Risk-based Capital Ratio74.5493.00102.24
Liquidity%%%
Loans / Deposits72.7642.0723.07
Non-Interest Bearing Deposits / Deposits36.3336.5337.64
Purchased Liabilities0.000.000.00

* Calculations are based on the latest four quarters of income and expense.
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