Imperial Bank

Inglewood, CA · Cert 18835

FDIC

Q2 2001

$8.5BAssets

$4.0BLoans

$7.7BDeposits

$551.1MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.54%, down 57 bps year over year; NIM at 4.76%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
Funding: loans stand at 52.67% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

0.54%-57 bps YoY

Net Interest Margin (YTD, annualized)

4.76%

Efficiency Ratio (YTD, annualized)

83.06%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.04%	1.35%	1.07%	1.12%	1.18%	0.61%	0.92%	0.54%	-57 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	5.12%	4.76%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	85.17%	83.06%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	3.66%	3.48%	n/a
Growth
Asset Growth (YoY)	2.56%	10.51%	8.63%	7.45%	15.45%	10.18%	24.45%	21.09%	+1,364 bps
Loan Growth (YoY)	10.51%	6.26%	9.31%	9.79%	11.88%	15.39%	10.19%	4.02%	-577 bps
Deposit Growth (YoY)	1.05%	6.11%	4.76%	9.12%	15.36%	13.29%	27.78%	22.30%	+1,318 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	0.83%	0.67%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	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	11.88%	11.91%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	64.68%	60.78%	61.62%	61.93%	62.72%	61.90%	53.14%	52.67%	-925 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a