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Bank NameWestern Alliance BancorporationFidelity BankUnited Security BankHeritage Oaks Bank

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City, StateLas Vegas, NVAtlanta, GAFresno, CAPaso Robles, CA

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TickerWALFSBIUBFOHEOP

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Report Date12/31/200912/31/200912/31/200912/31/2009

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Performance Ratios (%, annualized)(Year-to-date)(Year-to-date)(Year-to-date)(Year-to-date)

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Yield on earning assets5.52%5.64%5.84%6.16%

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Cost of funding earning assets1.45%2.43%1.14%1.18%

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Net interest margin4.07%3.21%4.7%4.98%

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Noninterest income to earning assets0.15%1.7%0.55%0.77%

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Noninterest expense to earning assets4.22%3.76%4.09%4.24%

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Net operating income to assets-1.99%-0.25%-0.58%-0.53%

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Return on assets (ROA)-2.14%-0.07%-0.66%-0.54%

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Pretax return on assets-2.86%-0.2%-0.98%-1.01%

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Return on equity (ROE)-25.51%-0.73%-5.46%-5.14%

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Retained earnings to average equity (YTD only)-25.51%-0.73%-5.68%-5.14%

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Net charge-offs to loans2.83%2.24%1.85%2.19%

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Credit loss provision to net charge-offs128.73%88.84%135.26%135.44%

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Earnings coverage of net loan charge-offs (x)00.610.720.78

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Efficiency ratio76.96%76.5%65.5%71.48%

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Assets per employee ($ millions)6.653.784.923.56

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Cash dividends to net income (YTD only)0%0%-4.15%0%

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Loss allowance to loans2.62%2.12%2.96%2.15%

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Loss allowance to noncurrent loans67.96%43.12%42.47%45.92%

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Noncurrent assets plus other real estate owned to assets4.2%4.96%10.31%3.78%

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Noncurrent loans to loans3.86%4.91%6.96%4.68%

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Net loans and leases to deposits84.94%89.65%87.7%93.4%

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Net loans and leases to core deposits114.91%107.48%101.92%110.05%

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Equity capital to assets8.6%9.47%12.61%9.92%

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Core capital (leverage) ratio7.26%9.24%11.19%8.06%

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Tier 1 risk-based capital ratio8.94%11.51%12.47%9.29%

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Total risk-based capital ratio12.44%13.44%13.7%10.55%

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Memoranda:(Year-to-date)(Year-to-date)(Year-to-date)(Year-to-date)

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Average assets5,586,1111,854,845729,249880,529

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Average earning assets5,004,2561,719,049612,725805,709

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Average equity468,761175,17988,41392,045

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Average loans4,092,5061,446,207534,863711,034

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Net Loans and Leases (% assets)

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Net loans and leases69.71%75.35%70.99%76.95%

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Plus: Loan Loss Allowance1.88%1.63%2.16%1.69%

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Total loans & leases71.59%76.98%73.15%78.64%

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Plus: Unearned income0.21%0%0.12%0.19%

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Loans and leases, gross71.8%76.98%73.28%78.83%

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All real estate loans55.85%36.69%50.11%59.23%

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Real estate loans in domestic offices:55.85%36.69%50.11%59.23%

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Construction and land development10.62%8.43%17.74%12.86%

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Commercial real estate33.85%16.58%13.39%35.9%

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Multifamily residential real estate1.43%0.21%3.76%2.19%

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1-4 family residential9.87%11.26%10.3%6.89%

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Farmland0.08%0.21%4.92%1.39%

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Real estate loans in foreign offices:N/AN/AN/AN/A

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Farm loans0.06%0%2.76%1.9%

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Commercial and industrial loans11.56%5.59%18.16%16.74%

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To non-U.S. addressees0%0%0%0%

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Loans to individuals1.39%34.01%1.57%0.88%

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Credit cards0.87%0%0%0.08%

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Related Plans0.07%0.07%0.01%0.15%

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Other loans to individuals0.45%33.93%1.56%0.65%

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Total other loans and leases *2.94%0.69%0.67%0.08%

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Loans to foreign governments & official institutions0%0%0%0%

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Obligations of states & political subdivisions in the U.S.0.28%0.29%0%0%

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Other loans0%0.4%0.03%0.08%

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Lease financing receivables1.91%0%0.1%0%

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Loans to depository institutions and acceptances of other banks0.75%0%0.55%0%