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Byl Bank Group

Orange, CA · Cert 23063

FDIC

Q3 2001

$282.1MAssets
$182.5MLoans
$249.9MDeposits
$30.6MEquity
Loan mix
64%RE $37.7M35%C&I $20.8M1%Consumer $0.8MQ3 2000Q3 2001
Deposit mix
75%Interest-bearing $186.3M25%Noninterest $63.6MQ3 2000Q3 2001

NIM

8.53%Q1 ’017.84%Q2 ’017.36%Q3 ’01-8%-3%

Non-interest income vs. expense

9.28%Q1 ’018.11%Q2 ’0110.34%Q3 ’01-34%-9%

Executive Summary

  • Earnings: ROA of 1.25%, up 35 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 73.04% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

1.25%+35 bps YoY

Net Interest Margin (quarter, annualized)

4.94%

Efficiency Ratio (quarter, annualized)

82.49%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.90%0.53%0.39%1.57%1.25%+35 bps
Return on Equityn/an/an/a14.94%11.64%n/a
Net Interest Marginn/an/a5.53%5.07%4.94%n/a
Efficiency Ration/an/a90.75%79.83%82.49%n/a
Non-Interest Burdenn/an/a4.58%3.02%2.74%n/a
Growth
Asset Growth (YoY)-19.78%-18.86%-21.11%-13.44%-3.81%+1,597 bps
Loan Growth (YoY)-21.08%-30.19%-16.28%-6.55%-13.29%+779 bps
Deposit Growth (YoY)-22.55%-21.26%-24.13%-15.83%-4.39%+1,816 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.22%0.04%-0.01%n/a
Allowance / Loansn/an/a1.16%1.11%1.19%n/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 Capitaln/an/a10.40%11.03%14.57%n/a
Equity / Assetsn/an/a10.31%10.69%10.83%n/a
Liquidity & Funding
Loans / Deposits80.54%72.99%76.67%79.79%73.04%-749 bps
Liquid Assets / Assets0.00%0.00%5.62%4.92%5.73%+573 bps
CRE / Total Capitaln/an/an/an/an/an/an/a