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Nara Bank, National Association

Los Angeles, CA · Cert 27530

FDIC

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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

Nara Bank, National Association

Los Angeles, CA · Cert 27530

FDIC

Q3 2011

$3.0BAssets
$2.3BLoans
$2.3BDeposits
$412.5MEquity
Loan mix
64%RE $889.1M36%C&I $499.8M1%Consumer $9.6MQ3 2010Q3 2011
Deposit mix
80%Interest-bearing $1.8B20%Noninterest $0.5BQ3 2010Q3 2011

NIM

4.83%Q3 ’095.05%Q3 ’105.07%Q3 ’11+30%+11%

Non-interest income vs. expense

1.88%Q3 ’092.02%Q3 ’102.13%Q3 ’11-4%+0%

Executive Summary

  • Earnings: ROA of 1.13%, up 167 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.22%.
  • Funding: loans stand at 101.12% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

1.13%+167 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+40 bps YoY

Efficiency Ratio (YTD, annualized)

44.54%-255 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.53%-0.17%1.02%0.98%1.13%+167 bps
Return on Equity-4.26%-1.38%7.75%7.41%8.48%+1,274 bps
Net Interest Margin3.64%3.69%4.00%4.04%4.05%+40 bps
Efficiency Ratio47.10%47.10%46.53%44.70%44.54%-255 bps
Non-Interest Burden1.41%1.44%1.55%1.36%1.41%0 bps
Growth
Asset Growth (YoY)-7.09%-8.24%-4.95%2.30%1.06%+815 bps
Loan Growth (YoY)-0.53%-3.18%-0.73%2.83%5.73%+626 bps
Deposit Growth (YoY)-10.92%-10.70%-4.83%4.47%2.60%+1,352 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans4.57%3.76%0.77%1.61%1.22%-335 bps
Allowance / Loans2.93%2.87%2.89%2.68%2.61%-32 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 Capital17.23%17.28%17.33%17.33%17.70%+46 bps
Equity / Assets12.72%12.95%13.36%13.48%13.69%+97 bps
Liquidity & Funding
Loans / Deposits98.13%99.40%100.41%99.50%101.12%+299 bps
Liquid Assets / Assets6.91%5.02%3.83%4.77%4.74%-217 bps
CRE / Total Capitaln/an/an/an/an/an/an/a