PackageTrendsPeer
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California Chohung Bank

Los Angeles, CA · Cert 27338

FDIC

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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 2026-10-10

California Chohung Bank

Los Angeles, CA · Cert 27338

FDIC

Q4 2002

$158.9MAssets
$107.5MLoans
$114.6MDeposits
$43.7MEquity
Loan mix
27%RE $8.5M72%C&I $23.2M1%Consumer $0.4MQ4 2001Q4 2002
Deposit mix
82%Interest-bearing $93.4M18%Noninterest $21.2MQ4 2001Q4 2002

NIM

8.40%Q1 ’017.17%Q4 ’015.44%Q4 ’02-13%-19%

Non-interest income vs. expense

3.51%Q1 ’013.27%Q4 ’012.88%Q4 ’02-2%+23%

Executive Summary

  • Earnings: ROA of 1.21%, down 100 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Funding: loans stand at 93.73% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

1.21%-100 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-91 bps YoY

Efficiency Ratio (YTD, annualized)

54.34%+691 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets2.21%1.54%1.67%1.35%1.21%-100 bps
Return on Equityn/a4.85%5.54%4.55%4.14%n/a
Net Interest Margin4.90%4.45%4.20%4.04%3.98%-91 bps
Efficiency Ratio47.43%56.06%52.97%52.27%54.34%+691 bps
Non-Interest Burden1.27%1.74%1.51%1.46%1.56%+29 bps
Growth
Asset Growth (YoY)19.68%12.79%21.61%19.10%20.33%+65 bps
Loan Growth (YoY)17.95%14.86%7.29%10.39%0.37%-1,758 bps
Deposit Growth (YoY)27.48%17.25%28.80%24.73%27.80%+32 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.07%-0.07%-0.06%-0.07%-4 bps
Allowance / Loans2.11%2.13%2.18%2.60%2.90%+79 bps
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 Capital47.75%42.31%40.09%41.86%43.14%-462 bps
Equity / Assets31.73%31.60%27.42%28.20%27.49%-424 bps
Liquidity & Funding
Loans / Deposits119.35%124.72%102.63%105.90%93.73%-2,561 bps
Liquid Assets / Assets4.44%9.58%6.26%11.59%9.75%+531 bps
CRE / Total Capitaln/an/an/an/an/an/an/a