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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.
Vineyard Bank, National Association, member of holding company VINEYARD NATIONAL BANCORP
as of June-2009
9590 FOOTHILL BOULEVARD RANCHO CUCAMONGA, CA, 91730
Data Source: IRA Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2003-2009 Lord, Whalen LLC All Rights Reserved
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Ratios
T1/RWA
RBC/RWA
T1/ASSET

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Total Assets
Total Lending

Total Securities

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

June
2009


F?
-1,283.5
1,776.47
260.3%
0

Fail
-0.0%
-0.0%
-0.0%


B
CCC
823.8
92.72
5.42
5.4


$297,019
-23.42%
$-18
-0.0:1
$178,301
10.98%
0.60:1


$1,638,378
$1,395,066

$3,753

$11,235
$1,302,653
1.72%
1.43%

$1,526,186
$74,308
$0
$714,256
$116,500

7.11%
4.87%
55.24%

$57,466
$112,500
0.51:1
$103,493

$57,466
$19,681
$287
$4,086
$0
$505,181
$4,342
$72,036
$658,450
40.19%
39.96%
$509,267

-
-

March
2009


F
24.4
-0.36
170.7%
0

Fail
4.2%
5.4%
3.7%


B
CCC
1,051.0
99.51
4.42
7.2


$319,411
-13.93%
$68,740
0.2:1
$174,299
9.47%
0.55:1


$1,855,830
$1,558,804

$3,871

$7,669
$1,558,818
1.97%
1.80%

$1,589,379
$181,577
$0
$732,216
$179,500

9.67%
11.42%
58.91%

$40,957
$51,000
0.80:1
$54,518

$40,957
$87,995
$245
$2,050
$82
$345,736
$4,493
$76,007
$552,745
29.78%
29.58%
$347,786

-
-

December
2008


F
22.7
-0.09
90.2%
0

Warn
7.2%
8.4%
6.5%


B
CCC
636.3
98.26
3.94
9.4


$242,740
-38.08%
$131,228
0.5:1
$193,063
9.66%
0.80:1


$2,014,953
$1,695,010

$114,352

$67,299
$1,834,725
3.67%
3.23%

$1,595,345
$206,476
$0
$747,717
$261,000

12.95%
12.94%
60.31%

$107,847
$108,762
0.99:1
$51,642

$107,847
$86,797
$391
$0
$0
$337,234
$2,767
$56,168
$588,046
29.18%
29.06%
$337,234

-
-

September
2008


F
22.4
-0.08
79.9%
0

Warn
8.2%
9.5%
7.7%


B
CCC
554.9
97.93
3.59
15.1


$242,554
-23.61%
$161,195
0.7:1
$203,106
9.81%
0.84:1


$2,088,977
$1,811,256

$125,023

$56,955
$1,899,499
4.00%
3.54%

$1,626,070
$236,382
$0
$734,549
$281,000

13.45%
14.54%
59.93%

$75,383
$88,762
0.85:1
$63,791

$75,383
$45,639
$323
$27,111
$115
$223,759
$2,663
$45,573
$417,465
19.98%
19.87%
$250,870

-
-

June
2008


F
22.7
-0.07
68.3%
0

Adequate
8.8%
10.0%
8.1%


B
CCC
660.2
99.14
3.45
19.9


$248,578
-18.83%
$190,248
0.8:1
$235,311
10.16%
0.95:1


$2,335,579
$1,957,748

$126,237

$43,203
$2,214,281
3.90%
3.88%

$1,977,395
$289,463
$0
$649,093
$155,000

6.64%
14.64%
46.82%

$64,630
$67,400
0.96:1
$52,175

$64,630
$86,156
$578
$21,202
$24
$192,649
$1,189
$13,202
$377,839
16.18%
16.12%
$213,851

-
-

March
2008


F
22.3
-0.02
64.4%
0

Adequate
10.0%
11.2%
10.0%


B
CCC
534.9
98.88
3.34
25.0


$261,449
-6.71%
$233,704
0.9:1
$212,241
9.20%
0.81:1


$2,326,862
$2,081,585

$133,565

$23,360
$2,171,944
4.30%
4.19%

$1,843,822
$39,145
$0
$656,327
$227,000

9.76%
2.12%
39.64%

$27,838
$26,900
1.03:1
$48,222

$27,838
$68,453
$145
$2,774
$329
$105,171
$1,150
$19,693
$223,929
9.62%
9.57%
$107,945

-
-

December
2007


F
20.6
-0.01
49.1%
40,771

Adequate
11.3%
12.4%
11.1%


BBB
A
22.5
98.25
3.35
29.0


$265,484
21.26%
$272,671
1.0:1
$251,945
10.35%
0.95:1


$2,455,654
$2,132,025

$171,537

$105,568
$2,318,487
4.55%
4.73%

$1,987,966
$40,690
$0
$592,803
$175,000

7.13%
2.05%
32.92%

$4,797
$11,900
0.40:1
$26,876

$4,797
$23,944
$408
$54
$22
$39,552
$1,314
$17,560
$85,907
3.50%
3.44%
$39,606

-
-

September
2007


A+
0.7
10.29
46.8%
0

Adequate
11.3%
12.2%
11.0%


AA
AAA
2.6
84.41
3.46
28.8


$263,048
17.92%
$270,706
1.0:1
$252,696
10.50%
0.96:1


$2,468,713
$2,134,382

$189,635

$78,946
$2,309,725
4.56%
4.76%

$1,867,402
$39,112
$0
$655,354
$271,000

10.98%
2.09%
39.11%

$417
$2,700
0.15:1
$22,037

$417
$7,207
$0
$2,510
$0
$11,505
$816
$12,862
$34,501
1.40%
1.37%
$14,015

-
-

June
2007


A+
0.7
10.78
45.9%
0

Adequate
11.3%
12.2%
10.9%


AA
AAA
1.5
87.58
3.58
32.1


$248,134
12.71%
$262,798
1.1:1
$244,269
10.40%
0.98:1


$2,410,214
$2,032,168

$194,024

$51,944
$2,233,329
4.65%
4.77%

$1,878,287
$45,919
$0
$601,478
$200,000

8.30%
2.44%
35.16%

$153
$1,700
0.09:1
$21,255

$153
$8,009
$0
$150
$0
$12,094
$2,007
$11,653
$32,059
1.33%
1.26%
$12,244

-
-

March
2007


A+
0.7
10.49
45.5%
0

Adequate
11.1%
12.0%
10.8%


AA
AAA
1.5
80.52
3.58
33.8


$241,363
6.53%
$254,200
1.1:1
$250,108
10.97%
1.04:1


$2,344,356
$1,996,760

$207,499

$25,539
$2,199,386
4.64%
4.76%

$1,784,051
$0
$0
$564,248
$244,000

10.41%
0.00%
34.48%

$77
$1,200
0.06:1
$20,827

$77
$13,754
$423
$0
$0
$13,447
$928
$0
$27,278
1.16%
1.12%
$13,447

-
-

December
2006


A+
0.7
9.61
47.5%
0

Adequate
11.2%
12.1%
10.9%


AA
AAA
1.9
80.60
3.57
36.0


$223,778
25.33%
$245,292
1.1:1
$241,244
11.04%
1.08:1


$2,250,481
$1,902,244

$213,200

$93,423
$2,095,777
4.46%
5.08%

$1,819,890
$0
$0
$583,768
$126,000

5.60%
0.00%
31.54%

$366
$4,125
0.09:1
$19,689

$366
$9,686
$532
$2,315
$0
$14,400
$0
$0
$26,767
1.19%
1.17%
$16,715

-
-

September
2006


A+
0.7
9.55
47.3%
0

Adequate
11.3%
12.2%
11.0%


AA
AAA
1.9
74.05
3.57
39.5


$209,570
19.80%
$236,914
1.1:1
$231,741
11.14%
1.11:1


$2,146,900
$1,796,064

$219,815

$67,450
$1,997,156
4.50%
5.06%

$1,724,355
$0
$0
$562,189
$127,000

5.92%
0.00%
32.10%

$262
$3,075
0.09:1
$18,740

$262
$5,894
$0
$0
$0
$14,400
$0
$0
$20,556
0.96%
0.96%
$14,400

-
-

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
Lord, Whalen LLC dba Institutional Risk Analytics 371 Van Ness Way Suite 110 Torrance, California 90501 310.676.3300