PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Los Angeles National Bank

Buena Park, CA · Cert 21352

FDIC

Q1 2013

$192.8MAssets
$128.7MLoans
$163.9MDeposits
$28.5MEquity
Loan mix
92%RE $68.9M8%C&I $6.0M0%Consumer $0.0MQ1 2012Q1 2013
Deposit mix
86%Interest-bearing $140.4M14%Noninterest $23.5MQ1 2012Q1 2013

NIM

4.54%Q1 ’113.55%Q1 ’123.54%Q1 ’13-19%+5%

Non-interest income vs. expense

2.79%Q1 ’112.50%Q1 ’122.75%Q1 ’13-8%+15%

Executive Summary

  • Earnings: ROA of 0.40%, down 3 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 78.53% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

0.40%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+13 bps YoY

Efficiency Ratio (YTD, annualized)

84.10%+624 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.43%0.20%0.24%0.41%0.40%-3 bps
Return on Equity3.01%1.38%1.67%2.88%2.70%-30 bps
Net Interest Margin2.94%2.77%2.68%2.72%3.07%+13 bps
Efficiency Ratio77.86%80.65%82.09%80.65%84.10%+624 bps
Non-Interest Burden2.23%2.18%2.16%2.15%2.56%+33 bps
Growth
Asset Growth (YoY)-3.97%-2.65%2.10%-0.31%0.88%+485 bps
Loan Growth (YoY)-16.74%-0.32%6.13%-9.14%13.20%+2,994 bps
Deposit Growth (YoY)-3.79%-2.74%2.84%-0.12%0.51%+430 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.66%0.00%0 bps
Allowance / Loans3.48%3.43%3.42%2.59%2.62%-87 bps
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 Capital24.12%23.57%24.41%24.65%25.12%+100 bps
Equity / Assets14.54%14.21%14.03%14.73%14.79%+25 bps
Liquidity & Funding
Loans / Deposits69.72%72.27%71.39%78.06%78.53%+881 bps
Liquid Assets / Assets13.28%11.07%13.14%11.22%12.63%-65 bps
CRE / Total Capitaln/an/an/an/an/an/an/a