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General Bank

Los Angeles, CA · Cert 23083

FDIC

Q3 2003

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: Q3 2003, the quarter ended September 30, 2003, 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

General Bank

Los Angeles, CA · Cert 23083

FDIC

Q3 2003

$2.4BAssets
$1.2BLoans
$1.9BDeposits
$226.7MEquity
Deposit mix
97%Interest-bearing $1.8B3%Noninterest $0.1BQ3 2002Q3 2003

NIM

7.30%Q3 ’016.03%Q3 ’024.90%Q3 ’03-4%-19%

Non-interest income vs. expense

1.61%Q3 ’011.52%Q3 ’021.52%Q3 ’03+29%-12%

Executive Summary

  • Earnings: ROA of 0.99%, up 113 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 62.42% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.99%+113 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-78 bps YoY

Efficiency Ratio (YTD, annualized)

43.01%+642 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-0.14%-0.08%0.93%0.96%0.99%+113 bps
Return on Equity-1.62%-0.89%10.65%10.72%10.90%+1,252 bps
Net Interest Margin4.00%3.96%3.31%3.19%3.22%-78 bps
Efficiency Ratio36.59%38.67%45.31%42.35%43.01%+642 bps
Non-Interest Burden1.39%1.50%1.35%1.19%1.22%-16 bps
Growth
Asset Growth (YoY)11.68%6.43%-0.01%-5.01%-1.53%-1,320 bps
Loan Growth (YoY)7.84%5.93%6.45%3.28%-1.56%-941 bps
Deposit Growth (YoY)5.36%4.07%-2.07%-4.29%2.81%-255 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.49%6.21%0.80%0.80%0.71%-578 bps
Allowance / Loans2.29%2.14%2.03%2.18%2.27%-2 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 Capital12.56%12.62%12.70%14.17%14.75%+219 bps
Equity / Assets8.90%8.68%8.82%9.31%9.41%+50 bps
Liquidity & Funding
Loans / Deposits65.19%62.54%65.42%65.40%62.42%-277 bps
Liquid Assets / Assets0.00%0.00%0.01%0.02%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a