Pacific Century Bank, National Association

Encino, CA · Cert 25049

FDIC

Q3 2001

$204.0MAssets

$7.9MLoans

n/aDeposits

$149.9MEquity

Loan mix

Deposit mix

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%.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.36%	1.34%	1.39%	1.39%	1.41%	1.01%	5.35%	51.69%	+5,031 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	36.54%	186.61%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.57%	4.97%	4.05%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	63.61%	20.00%	3.98%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.66%	-8.71%	-58.70%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	-0.12%	4.78%	-3.34%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	2.27%	3.30%	8.85%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	15.85%	23.02%	206%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	12.94%	17.07%	73.50%	n/a
Liquidity & Funding
Loans / Deposits	82.00%	78.60%	86.05%	83.58%	80.48%	75.41%	76.80%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.02%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a