PackageTrendsPeer
Letter portraitLegal landscape

Asiana Bank

Sunnyvale, CA · Cert 34831

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

Asiana Bank

Sunnyvale, CA · Cert 34831

FDIC

Q2 2003

$36.5MAssets
$25.6MLoans
$30.5MDeposits
$5.9MEquity
Deposit mix
83%Interest-bearing $25.5M17%Noninterest $5.1MQ2 2002Q2 2003

NIM

7.34%Q2 ’016.30%Q2 ’025.25%Q2 ’03+27%-18%

Non-interest income vs. expense

5.97%Q2 ’016.39%Q2 ’025.42%Q2 ’03+7%-17%

Executive Summary

  • Earnings: ROA of -0.71%, up 212 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.12%.
  • Funding: loans stand at 83.97% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.71%+212 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-81 bps YoY

Efficiency Ratio (YTD, annualized)

124.92%+26 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 Assets-2.83%-2.46%-1.79%-0.44%-0.71%+212 bps
Return on Equity-16.14%-14.33%-10.65%-2.97%-4.70%+1,143 bps
Net Interest Margin4.59%4.62%4.23%3.99%3.78%-81 bps
Efficiency Ratio124.65%128.54%120.09%118.44%124.92%+26 bps
Non-Interest Burden5.85%6.13%5.25%4.83%4.86%-99 bps
Growth
Asset Growth (YoY)4.00%1.80%-1.41%18.49%7.12%+312 bps
Loan Growth (YoY)1.34%2.21%3.15%-3.09%-0.57%-192 bps
Deposit Growth (YoY)-1.90%-4.07%0.56%24.29%10.09%+1,199 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.26%0.81%0.60%0.00%0.12%-114 bps
Allowance / Loans3.16%3.07%3.04%3.03%3.12%-4 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 Capital22.69%21.82%20.52%20.04%22.96%+27 bps
Equity / Assets18.06%15.97%15.64%13.75%16.12%-193 bps
Liquidity & Funding
Loans / Deposits92.98%83.70%81.85%71.48%83.97%-901 bps
Liquid Assets / Assets0.29%0.26%0.00%0.00%0.00%-29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a