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 ’016.92%Q2 ’015.78%Q3 ’01+9%-19%

Non-interest income vs. expense

3.34%Q1 ’013.42%Q2 ’012.60%Q3 ’01-427%-574%

Executive Summary

  • Earnings: ROA of 51.69%, up 5,031 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 3.34%.

Financial Results

Return on Assets (quarter, annualized)

51.69%+5,031 bps YoY

Net Interest Margin (quarter, annualized)

4.05%

Efficiency Ratio (quarter, annualized)

3.98%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.39%1.41%1.01%5.35%51.69%+5,031 bps
Return on Equityn/an/an/a36.54%186.61%n/a
Net Interest Marginn/an/a4.57%4.97%4.05%n/a
Efficiency Ration/an/a63.61%20.00%3.98%n/a
Non-Interest Burdenn/an/a2.66%-8.71%-58.70%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%4.78%-3.34%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