PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.3MQ3 2000Q3 2001
Deposit mix
80%Interest-bearing $020%Noninterest $0Q3 2000Q3 2001

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%

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%.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.39%1.41%1.01%3.12%13.06%+1,167 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.57%5.66%5.70%n/a
Efficiency Ration/an/a63.61%33.04%12.72%n/a
Non-Interest Burdenn/an/a2.66%-2.50%-21.49%n/a
Growth
Asset Growth (YoY)0.73%6.44%6.79%-26.35%-82.84%-8,357 bps
Loan Growth (YoY)2.50%4.52%2.79%-36.55%-99.06%-10,156 bps
Deposit Growth (YoY)-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 bps
Net Charge-Offs / Loansn/an/a-0.12%2.30%104.40%n/a
Allowance / Loansn/an/a2.27%3.30%8.85%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/a15.85%23.02%206%n/a
Equity / Assetsn/an/a12.94%17.07%73.50%n/a
Liquidity & Funding
Loans / Deposits83.58%80.48%75.41%76.80%n/an/a
Liquid Assets / Assets0.00%0.00%0.02%0.02%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a