PackageTrendsPeer
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Pacific Century Bank, National Association

Encino, CA · Cert 25049

FDIC

Q3 2001

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 2001, the quarter ended September 30, 2001, 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

Pacific Century Bank, National Association

Encino, CA · Cert 25049

FDIC

Q3 2001

$204.0MAssets
$7.9MLoans
n/aDeposits
$149.9MEquity
Loan mix
9%RE $28.4M91%C&I $296.9M0%Consumer $1.3MQ4 1999Q3 2001
Deposit mix
80%Interest-bearing $020%Noninterest $0Q4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 13.06%, up 1,167 bps year over year; NIM at 5.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 104.40%.

Return on Assets (YTD, annualized)

13.06%+1,167 bps YoY

Net Interest Margin (YTD, annualized)

5.70%

Efficiency Ratio (YTD, annualized)

12.72%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.59%Q1 ’018.74%Q2 ’018.64%Q3 ’01+24%+1%

Non-interest income vs. expense

3.34%Q1 ’014.03%Q2 ’013.96%Q3 ’01-194%-758%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.36%1.34%1.39%1.39%1.41%1.01%3.12%13.06%+1,167 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a4.57%5.66%5.70%n/a
Efficiency Ration/an/an/an/an/a63.61%33.04%12.72%n/a
Non-Interest Burdenn/an/an/an/an/a2.66%-2.50%-21.49%n/a
Growth
Asset Growth (YoY)-13.57%-7.45%-3.05%0.73%6.44%6.79%-26.35%-82.84%-8,357 bps
Loan Growth (YoY)-0.44%-5.43%3.17%2.50%4.52%2.79%-36.55%-99.06%-10,156 bps
Deposit Growth (YoY)-15.08%-8.02%-6.27%-0.10%6.49%7.14%-28.90%-100.00%-9,990 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a-0.12%2.30%104.40%n/a
Allowance / Loansn/an/an/an/an/a2.27%3.30%8.85%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a15.85%23.02%206%n/a
Equity / Assetsn/an/an/an/an/a12.94%17.07%73.50%n/a
Liquidity & Funding
Loans / Deposits82.00%78.60%86.05%83.58%80.48%75.41%76.80%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.02%0.02%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a