Solera National Bancorp, Inc. · OTC:SLRK
Solera National Bancorp — Proxy Contest (May 2014)
22 slides from Solera National Bancorp's proxy contest presentation, May 8, 2014
Slide 1: Investor Presentation May 2014
EMBRACING OUR COMMUNITY — ONE INDIVIDUAL, AT ATIME NATIONAL BANCORP, INC. Solera National Bancorp, Inc. SLRK Investor Presentation May 2014
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Slide 6: Branch and LPO Locations
3 COMMUNITY — SOLER A NATIONAL BANCORP, INC. Branch and LPO Locations @ Headquarters no Loan Production we Office SO Gah ction a WS ete © os je - an ; Fier Pree. eat =m 1 SSCA oh <5 colorado pe oe ? ess = me ‘ : Page 6
Slide 7: Financial Highlights
AT ATIN SOLER A NATIONAL BANCORP, INC. Financial Highlights 03/31/2014 Assets $168.1 million Total Loans* $ 89.2* million Deposits $ 132.0 million Shareholders’ Equity $ 17.5 million Tangible Book Value Per Sharet $6.86 Price / TBV (05/2/2014) 84.5% Nonperforming Assets/Assets 1.04% Reserves/Loans 1
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Slide 12: Strong balance sheet growth
EMBRACING OUR COMMUNITY — ie neoth SOLERA uesulils NATIONAL BANCORP, INC Strong balance sheet growth Loan and Deposit + The Board has pursued a successful strategy of growing the loan portfolio without saws a . compromising asset quality. + Itis important to note that a i - Hy significant increase i
Slide 13: Solid Asset Quality
EMBRACING OUR COMMUNITY — ONE INDIVIDUAL, AT ATIME Solid Asset Quality After peaking in 2010, total non- performing loans have rapidly declined, and were ZERO at the 4Q13 and 1Q14. Solera’s success in managing its assets portfolio is reflected in non-performing OREO assets, which have been largely c
Slide 14: Strong core earnings growth
Strong core earnings growth EMBRACING OUR COMMUNITY — Solera has maintained strong growth in net interest income after provision for loan losses. « It is important to recognize that the interest income growth did not come at the expense of deteriorating asset quality. When comparing FY13 to FY10, is
Slide 15: 2013 income impacted by higher expense
EMBRACING OUR COMMUNITY — SOLER A NATIONAL BANCORP, INC. 2013 income impacted by Increase in FY13 noninterest expense higher expense + Although Solera 388 strong core earnings growth in 2013, its net income was , 169 impacted by higher expense on . account of residential mortgage 5 duvng FY13 busine
Slide 16: Well Capitalized
EMBRACING OUR COMMUNITY — ie neoth SOLERA AT A TIME NATIONAL BANCORP, INC. Well Capitalized Total risk-based capital ratio + Solera is well-capitalized, with petted total risk-based capital at 15.3% ‘onincomesta at 1Q14. The current level of capitalization is. provides a strong platform for growth.
Slide 17: Our Plan
ONE FAMILY, IE BUSI AT A TIME Our Plan Create value by growing earnings assets and core deposit base. Prudently grow the loan portfolio with careful assessment of risk-reward trade-off. Achieve cost efficiencies by proactively identifying and curtailing operating costs. Increase customer focus on Hi
Slide 18: Quagliano nominees are lacking in experience
EMBRACING OUR COMMUNITY — ONE INDIVIDUAL, AT ATIME SOLER A NATIONAL BANCORP, INC. Quagliano nominees are lacking in experience Experience Nominee (age) Banking Public company Lars Johnson (38) Jackson Lounsberry (45) Michael Quagliano (51) Carlyle Griffin (69) Drew Quagliano (21) Melissa Allen (28)
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Slide 22: Vote FOR all nominees on the WHITE proxy card
sOl)E RI NATIONAL BANCORP, INC. Vote FOR all nominees on the WHITE proxy card Page 22