PackageTrendsPeer
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Chinese American Bank, The

New York, NY · Cert 19736

FDIC

Q1 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chinese American Bank, The

New York, NY · Cert 19736

FDIC

Q1 2007

$343.3MAssets
$180.4MLoans
$291.1MDeposits
$47.6MEquity
Loan mix
77%RE $139.3M22%C&I $40.3M0%Consumer $0.4MQ1 2006Q1 2007
Deposit mix
77%Interest-bearing $225.3M23%Noninterest $65.7MQ1 2006Q1 2007

NIM

4.05%Q1 ’056.01%Q1 ’066.76%Q1 ’07+56%-5%

Non-interest income vs. expense

2.44%Q1 ’052.78%Q1 ’062.72%Q1 ’07+21%-3%

Executive Summary

  • Earnings: ROA of 0.86%, down 9 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 61.98% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

0.86%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.32%-25 bps YoY

Efficiency Ratio (YTD, annualized)

59.75%+157 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.95%0.70%0.83%0.89%0.86%-9 bps
Return on Equity7.15%5.21%6.08%6.47%6.15%-100 bps
Net Interest Margin4.57%4.45%4.46%4.26%4.32%-25 bps
Efficiency Ratio58.19%55.97%55.79%57.35%59.75%+157 bps
Non-Interest Burden2.57%2.37%2.30%2.25%2.49%-8 bps
Growth
Asset Growth (YoY)-3.22%-6.15%-9.68%-0.46%0.82%+404 bps
Loan Growth (YoY)-1.53%-8.45%-7.52%5.64%24.21%+2,574 bps
Deposit Growth (YoY)-4.88%-8.27%-12.21%-2.04%-0.29%+458 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.28%0.14%0.10%0.07%0.00%-28 bps
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 Capital16.00%16.28%16.38%16.33%17.25%+125 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits49.75%53.73%56.20%61.13%61.98%+1,223 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