PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tokai Bank of California

Los Angeles, CA · Cert 18825

FDIC

Q2 2001

$1.9BAssets
$1.7BLoans
$1.4BDeposits
$198.9MEquity
Loan mix
20%RE $56.5M80%C&I $230.7M0%Consumer $0.7MQ2 2000Q2 2001
Deposit mix
81%Interest-bearing $1.2B19%Noninterest $0.3BQ2 2000Q2 2001

NIM

8.46%Q1 ’017.51%Q2 ’01-10%

Non-interest income vs. expense

2.33%Q1 ’012.73%Q2 ’01+24%

Executive Summary

  • Earnings: ROA of 1.03%, down 47 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 119.22% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.03%-47 bps YoY

Net Interest Margin (quarter, annualized)

3.91%

Efficiency Ratio (quarter, annualized)

64.54%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.49%1.55%1.42%1.46%1.03%-47 bps
Return on Equityn/an/an/an/a9.72%n/an/a
Net Interest Marginn/an/an/a4.35%3.91%n/a
Efficiency Ration/an/an/a49.30%64.54%n/a
Non-Interest Burdenn/an/an/a1.95%2.41%n/a
Growth
Asset Growth (YoY)14.67%2.52%-3.14%-5.31%-10.03%-2,470 bps
Loan Growth (YoY)15.14%8.03%-1.33%-1.20%-4.20%-1,933 bps
Deposit Growth (YoY)6.45%-7.55%-13.99%-9.81%-12.10%-1,855 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.04%-0.03%n/a
Allowance / Loansn/an/an/a1.82%1.85%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a10.93%11.14%n/a
Equity / Assetsn/an/an/a10.41%10.73%n/a
Liquidity & Funding
Loans / Deposits109.38%107.77%110.11%111.28%119.22%+984 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a