Tokai Bank of California

Los Angeles, CA · Cert 18825

FDIC

Q2 2001

$1.9BAssets

$1.7BLoans

$1.4BDeposits

$198.9MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.09%	1.05%	1.32%	1.49%	1.55%	1.42%	1.46%	1.03%	-47 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.72%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	4.35%	3.91%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	49.30%	64.54%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	1.95%	2.41%	n/a
Growth
Asset Growth (YoY)	18.81%	19.44%	17.36%	14.67%	2.52%	-3.14%	-5.31%	-10.03%	-2,470 bps
Loan Growth (YoY)	12.54%	22.26%	20.55%	15.14%	8.03%	-1.33%	-1.20%	-4.20%	-1,933 bps
Deposit Growth (YoY)	21.25%	24.15%	15.32%	6.45%	-7.55%	-13.99%	-9.81%	-12.10%	-1,855 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	-0.04%	-0.03%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.82%	1.85%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	10.93%	11.14%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	10.41%	10.73%	n/a
Liquidity & Funding
Loans / Deposits	92.23%	95.99%	101.58%	109.38%	107.77%	110.11%	111.28%	119.22%	+984 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a