PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Western National Bank

Pico Rivera, CA · Cert 23263

FDIC

Q4 2001

$258.6MAssets
$192.6MLoans
$238.2MDeposits
$19.4MEquity
Loan mix
27%RE $10.8M72%C&I $28.8M0%Consumer $0.2MQ4 2000Q4 2001
Deposit mix
83%Interest-bearing $198.4M17%Noninterest $39.8MQ4 2000Q4 2001

NIM

9.70%Q1 ’017.98%Q3 ’017.62%Q4 ’01-21%-3%

Non-interest income vs. expense

4.69%Q1 ’013.80%Q3 ’013.69%Q4 ’01-20%-3%

Executive Summary

  • Earnings: ROA of 0.71%, down 50 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.52%.
  • Funding: loans stand at 80.84% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.71%-50 bps YoY

Net Interest Margin (YTD, annualized)

4.71%

Efficiency Ratio (YTD, annualized)

70.46%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.21%0.88%0.82%0.72%0.71%-50 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a6.13%5.34%4.84%4.71%n/a
Efficiency Ration/a69.22%69.09%70.37%70.46%n/a
Non-Interest Burdenn/a4.05%3.50%3.25%3.16%n/a
Growth
Asset Growth (YoY)21.69%26.32%33.76%41.78%35.91%+1,422 bps
Loan Growth (YoY)22.92%29.64%19.94%25.19%17.39%-552 bps
Deposit Growth (YoY)26.10%27.80%36.67%45.07%38.81%+1,271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.45%0.46%0.45%0.52%n/a
Allowance / Loansn/a0.95%1.03%1.06%0.99%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/a10.55%10.78%10.38%10.24%n/a
Equity / Assetsn/a8.44%7.96%7.27%7.50%n/a
Liquidity & Funding
Loans / Deposits95.58%92.83%83.45%76.98%80.84%-1,475 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a