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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

0.45%Q3 ’090.48%Q3 ’100.27%Q3 ’11+21%-44%

Non-interest income vs. expense

1.83%Q3 ’093.22%Q3 ’105.67%Q3 ’11+122%+97%

Executive Summary

  • Earnings: ROA of -5.15%, down 362 bps year over year; NIM at 0.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 947.37%.

Financial Results

Return on Assets (quarter, annualized)

-5.15%-362 bps YoY

Net Interest Margin (quarter, annualized)

0.26%-20 bps YoY

Efficiency Ratio (quarter, annualized)

1286%+92,167 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-1.54%-1.61%-4.20%-5.94%-5.15%-362 bps
Return on Equity-2.89%-2.57%-6.64%-9.35%-6.67%-378 bps
Net Interest Margin0.46%0.39%0.39%0.37%0.26%-20 bps
Efficiency Ratio364%790%940%1458%1286%+92,167 bps
Non-Interest Burden2.79%4.33%4.70%7.02%5.49%+270 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 / Loans4.11%0.00%0.00%0.00%947%+94,326 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