Founders National Bank of Los Angeles

Los Angeles, CA · Cert 33305

FDIC

Q1 2001

$107.2MAssets

$74.3MLoans

$99.2MDeposits

$6.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.34%, down 15 bps year over year; NIM at 6.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.37%.
Funding: loans stand at 74.98% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.34%-15 bps YoY

Net Interest Margin (YTD, annualized)

6.12%

n/a

Efficiency Ratio (YTD, annualized)

89.74%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.34%	0.27%	-2.04%	0.49%	0.29%	0.57%	0.12%	0.34%	-15 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	6.12%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	89.74%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.41%	n/a	n/a
Growth
Asset Growth (YoY)	1.36%	7.61%	0.33%	5.05%	2.15%	-2.90%	1.59%	-2.74%	-779 bps
Loan Growth (YoY)	2.42%	8.39%	14.78%	18.86%	15.63%	6.41%	-3.23%	-9.18%	-2,804 bps
Deposit Growth (YoY)	1.49%	8.32%	2.51%	7.61%	4.32%	-1.48%	1.41%	-3.25%	-1,086 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	n/a	n/a	1.37%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.78%	n/a	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	n/a	n/a	10.34%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	6.08%	n/a	n/a
Liquidity & Funding
Loans / Deposits	74.51%	73.23%	80.91%	79.87%	82.58%	79.10%	77.20%	74.98%	-489 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.05%	+5 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a