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Panasia Bank, National Association

Fort Lee, NJ · Cert 33791

FDIC

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Panasia Bank, National Association

Fort Lee, NJ · Cert 33791

FDIC

Q2 2003

$216.8MAssets
$100.0MLoans
$188.7MDeposits
$25.7MEquity
Loan mix
53%RE $21.2M46%C&I $18.5M0%Consumer $0.2MQ2 2002Q2 2003
Deposit mix
67%Interest-bearing $127.3M33%Noninterest $61.4MQ2 2002Q2 2003

NIM

5.60%Q2 ’015.40%Q2 ’024.79%Q2 ’03+23%-8%

Non-interest income vs. expense

3.95%Q2 ’013.83%Q2 ’023.62%Q2 ’03-17%-20%

Executive Summary

  • Earnings: ROA of 1.25%, up 7 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.29%.
  • Funding: loans stand at 52.99% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

1.25%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-32 bps YoY

Efficiency Ratio (YTD, annualized)

64.71%-241 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.18%1.10%1.08%1.19%1.25%+7 bps
Return on Equity9.48%9.06%9.05%10.30%10.74%+126 bps
Net Interest Margin4.01%3.76%3.60%3.71%3.69%-32 bps
Efficiency Ratio67.12%68.48%69.12%68.42%64.71%-241 bps
Non-Interest Burden2.13%2.06%2.00%1.99%1.71%-42 bps
Growth
Asset Growth (YoY)23.20%30.77%27.59%21.86%15.44%-776 bps
Loan Growth (YoY)10.29%40.50%25.92%26.76%25.40%+1,511 bps
Deposit Growth (YoY)24.39%32.71%28.35%23.12%16.53%-786 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.08%0.16%0.12%-0.29%-44 bps
Allowance / Loans2.50%2.07%2.01%2.00%2.18%-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 Capital13.89%10.87%11.36%11.97%12.38%-150 bps
Equity / Assets12.10%11.28%11.31%11.70%11.83%-27 bps
Liquidity & Funding
Loans / Deposits49.25%54.82%53.66%53.46%52.99%+375 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a