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Asia-Europe-Americas Bank

Seattle, WA · Cert 34095

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Asia-Europe-Americas Bank

Seattle, WA · Cert 34095

FDIC

Q3 2005

$92.8MAssets
$47.0MLoans
$80.6MDeposits
$11.4MEquity
Loan mix
12%RE $2.7M86%C&I $19.8M2%Consumer $0.4MQ3 2004Q3 2005
Deposit mix
57%Interest-bearing $45.6M43%Noninterest $35.0MQ3 2004Q3 2005

NIM

6.66%Q3 ’036.72%Q3 ’045.27%Q3 ’05+2%-22%

Non-interest income vs. expense

3.37%Q3 ’034.10%Q3 ’043.99%Q3 ’05+22%-10%

Executive Summary

  • Earnings: ROA of 0.31%, up 69 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.13%.
  • Funding: loans stand at 58.41% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.31%+69 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-113 bps YoY

Efficiency Ratio (YTD, annualized)

80.96%+1,030 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.38%-2.24%0.35%0.35%0.31%+69 bps
Return on Equity-3.91%-23.26%3.65%3.36%2.81%+672 bps
Net Interest Margin5.21%5.20%3.59%3.76%4.08%-113 bps
Efficiency Ratio70.66%76.25%87.79%87.65%80.96%+1,030 bps
Non-Interest Burden3.51%3.82%3.08%3.21%3.14%-37 bps
Growth
Asset Growth (YoY)-18.72%-22.39%-21.54%-33.23%-20.44%-172 bps
Loan Growth (YoY)-34.02%-48.50%-53.45%-51.39%-42.88%-886 bps
Deposit Growth (YoY)-17.33%-21.29%-22.36%-35.39%-22.26%-493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.44%5.20%2.93%3.37%4.13%+169 bps
Allowance / Loans7.60%12.81%14.06%14.92%14.12%+653 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 Capital13.58%12.31%15.92%18.71%20.46%+688 bps
Equity / Assets10.71%8.84%10.55%12.69%12.30%+159 bps
Liquidity & Funding
Loans / Deposits79.49%64.26%59.19%64.76%58.41%-2,108 bps
Liquid Assets / Assets9.19%10.15%9.97%12.24%10.90%+170 bps
CRE / Total Capitaln/an/an/an/an/an/an/a