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Imperial Bank

Inglewood, CA · Cert 18835

FDIC

Q2 2001

$8.5BAssets
$4.0BLoans
$7.7BDeposits
$551.1MEquity
Loan mix
30%RE $1.2B67%C&I $2.6B3%Consumer $0.1BQ2 2000Q2 2001
Deposit mix
42%Interest-bearing $3.2B58%Noninterest $4.4BQ2 2000Q2 2001

NIM

7.36%Q1 ’016.19%Q2 ’01-9%

Non-interest income vs. expense

8.37%Q1 ’014.64%Q2 ’01-5%

Executive Summary

  • Earnings: ROA of 0.18%, down 94 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.49%.
  • Funding: loans stand at 52.67% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.18%-94 bps YoY

Net Interest Margin (quarter, annualized)

4.67%

Efficiency Ratio (quarter, annualized)

79.69%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.12%1.18%0.61%0.92%0.18%-94 bps
Return on Equityn/an/an/an/a2.73%n/an/a
Net Interest Marginn/an/an/a5.12%4.67%n/a
Efficiency Ration/an/an/a85.17%79.69%n/a
Non-Interest Burdenn/an/an/a3.66%3.49%n/a
Growth
Asset Growth (YoY)7.45%15.45%10.18%24.45%21.09%+1,364 bps
Loan Growth (YoY)9.79%11.88%15.39%10.19%4.02%-577 bps
Deposit Growth (YoY)9.12%15.36%13.29%27.78%22.30%+1,318 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.83%0.49%n/a
Allowance / Loansn/an/an/an/an/an/an/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/a11.88%11.91%n/a
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits61.93%62.72%61.90%53.14%52.67%-925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a