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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 ’014.21%Q4 ’012.92%Q4 ’02-38%-9%

Non-interest income vs. expense

17.72%Q1 ’0120.16%Q4 ’010.42%Q4 ’02+55%-192%

Executive Summary

  • Earnings: ROA of 17.48%, up 3,756 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.96%.

Financial Results

Return on Assets (quarter, annualized)

17.48%+3,756 bps YoY

Net Interest Margin (quarter, annualized)

2.72%-26 bps YoY

Efficiency Ratio (quarter, annualized)

2.63%-21,435 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-20.08%-6.91%-3.93%-5.56%17.48%+3,756 bps
Return on Equity-27.41%-9.49%-5.35%-7.58%21.09%+4,850 bps
Net Interest Margin2.98%2.35%2.15%2.71%2.72%-26 bps
Efficiency Ratio217%232%214%208%2.63%-21,435 bps
Non-Interest Burden13.85%11.38%9.69%10.31%-12.74%-2,659 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 / Loans8.23%5.23%-0.98%3.55%-0.96%-919 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