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Letter portraitLegal landscapeQuarterYTD

JCB Bank, National Association

Los Angeles, CA · Cert 33796

FDIC

Q4 2002

$1.8MAssets
$833KLoans
n/aDeposits
$1.7MEquity
Deposit mix
100%Interest-bearing $00%Noninterest $0Q4 2001Q4 2002

NIM

5.91%Q1 ’015.30%Q4 ’013.60%Q4 ’02-17%-31%

Non-interest income vs. expense

17.72%Q1 ’0119.54%Q4 ’0113.05%Q4 ’02+27%-48%

Executive Summary

  • Earnings: ROA of -0.23%, up 715 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.68%.

Financial Results

Return on Assets (YTD, annualized)

-0.23%+715 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-122 bps YoY

Efficiency Ratio (YTD, annualized)

131.58%-2,885 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 Assets-7.39%-6.91%-5.40%-5.47%-0.23%+715 bps
Return on Equityn/a-9.49%-7.39%-7.48%-0.30%n/a
Net Interest Margin3.99%2.35%2.24%2.41%2.77%-122 bps
Efficiency Ratio160.43%232%223%218%131.58%-2,885 bps
Non-Interest Burden11.35%11.38%10.49%10.49%5.90%-545 bps
Growth
Asset Growth (YoY)-10.18%-11.87%-6.10%-8.64%-22.35%-1,218 bps
Loan Growth (YoY)-27.83%-29.74%-34.45%-18.85%-9.75%+1,808 bps
Deposit Growth (YoY)0.00%0.00%0.00%0.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.28%5.23%2.20%2.71%1.68%-460 bps
Allowance / Loans9.97%9.99%10.00%10.03%9.96%0 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 Capital160.32%164.03%161.63%161.03%150.71%-962 bps
Equity / Assets72.46%73.12%73.73%73.03%95.06%+2,260 bps
Liquidity & Funding
Loans / Deposits184.60%168.20%164.00%157.60%n/an/a
Liquid Assets / Assets42.27%43.85%43.08%44.20%0.00%-4,227 bps
CRE / Total Capitaln/an/an/an/an/an/an/a