PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dai-Ichi Kangyo Bank of California

Los Angeles, CA · Cert 21673

FDIC

Q3 2011

$69.9MAssets
$38KLoans
n/aDeposits
$69.4MEquity
Deposit mix
55%Interest-bearing $045%Noninterest $0Q3 2010Q3 2011

NIM

0.86%Q3 ’090.78%Q3 ’100.42%Q3 ’11-1%-46%

Non-interest income vs. expense

1.92%Q3 ’094.58%Q3 ’106.82%Q3 ’11+188%+74%

Executive Summary

  • Earnings: ROA of -5.24%, down 398 bps year over year; NIM at 0.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 315.79%.

Financial Results

Return on Assets (YTD, annualized)

-5.24%-398 bps YoY

Net Interest Margin (YTD, annualized)

0.40%-34 bps YoY

Efficiency Ratio (YTD, annualized)

1217%+90,835 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-1.27%-1.28%-4.20%-5.06%-5.24%-398 bps
Return on Equity-3.87%-3.55%-6.64%-7.98%-7.55%-368 bps
Net Interest Margin0.74%0.77%0.39%0.38%0.40%-34 bps
Efficiency Ratio309%355%940%1193%1217%+90,835 bps
Non-Interest Burden3.84%4.56%4.70%5.86%6.66%+282 bps
Growth
Asset Growth (YoY)-68.24%-59.79%-66.30%-31.19%-40.75%+2,750 bps
Loan Growth (YoY)-96.07%-96.96%-96.38%-92.51%-96.09%-2 bps
Deposit Growth (YoY)-83.23%-79.14%-84.37%-53.57%-100.00%-1,677 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.37%1.48%0.00%0.00%316%+31,442 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 Capital2103%5102%5650%7317%25978%+2,387,555 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits2.23%1.57%1.54%1.44%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a