Asia Bank, N.A.

Flushing, NY · Cert 25745

FDIC · 5 branches

Q2 2015

$515.7MAssets

$413.2MLoans

$437.2MDeposits

$74.3MEquity

Deposit mix

NIM

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

Earnings: ROA of 0.23%, down 103 bps year over year; NIM at 4.10%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 94.53% of deposits as of Q2 2015.

Return on Assets (quarter, annualized)

0.23%-103 bps YoY

Net Interest Margin (quarter, annualized)

4.10%-9 bps YoY

Efficiency Ratio (quarter, annualized)

90.31%+4,261 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	1.26%	1.17%	0.97%	0.86%	0.23%	-103 bps
Return on Equity	8.90%	8.11%	6.88%	6.12%	1.61%	-728 bps
Net Interest Margin	4.19%	4.25%	3.97%	3.97%	4.10%	-9 bps
Efficiency Ratio	47.70%	49.92%	56.26%	62.80%	90.31%	+4,261 bps
Non-Interest Burden	1.88%	2.01%	2.15%	2.41%	3.68%	+180 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.05%	0.00%	0.00%	0.10%	0.00%	-5 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	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
Total Risk-Based Capital	18.40%	18.96%	18.93%	19.48%	19.81%	+141 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	100.39%	98.99%	93.61%	94.40%	94.53%	-586 bps
Liquid Assets / Assets	0.46%	0.45%	0.42%	0.42%	0.42%	-4 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a