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Asia Bank, N.A.

Flushing, NY · Cert 25745

FDIC · 5 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Asia Bank, N.A.

Flushing, NY · Cert 25745

FDIC · 5 branches

Q2 2015

$515.7MAssets
$413.2MLoans
$437.2MDeposits
$74.3MEquity
Deposit mix
83%Interest-bearing $362.8M17%Noninterest $74.3MQ2 2014Q2 2015

NIM

4.76%Q2 ’134.54%Q2 ’144.43%Q2 ’15-5%-3%

Non-interest income vs. expense

2.35%Q2 ’132.22%Q2 ’143.27%Q2 ’15-5%+53%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #116 of 219 inst. · $0.4B of $1502.0B

0.6% Queens
0.0% New York
0.1% Montgomery

Executive Summary

  • Earnings: ROA of 0.55%, down 60 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 94.53% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.55%-60 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-12 bps YoY

Efficiency Ratio (YTD, annualized)

76.75%+2,619 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets1.15%1.16%1.10%0.86%0.55%-60 bps
Return on Equity8.05%8.07%7.77%6.12%3.86%-419 bps
Net Interest Margin4.16%4.20%3.94%3.97%4.04%-12 bps
Efficiency Ratio50.56%50.34%51.83%62.80%76.75%+2,619 bps
Non-Interest Burden2.00%2.00%1.94%2.41%3.05%+106 bps
Growth
Asset Growth (YoY)4.15%4.24%12.45%6.41%5.77%+162 bps
Loan Growth (YoY)4.57%1.45%3.67%1.16%-0.86%-543 bps
Deposit Growth (YoY)4.19%4.30%13.27%6.29%5.28%+110 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.08%0.06%0.10%0.05%-7 bps
Allowance / Loansn/an/an/an/an/an/an/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 Capital18.40%18.96%18.93%19.48%19.81%+141 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits100.39%98.99%93.61%94.40%94.53%-586 bps
Liquid Assets / Assets0.46%0.45%0.42%0.42%0.42%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a