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Kaiser Federal Bank

Covina, CA · Cert 35448

FDIC · 8 branches

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Kaiser Federal Bank

Covina, CA · Cert 35448

FDIC · 8 branches

Q4 2014

$863.2MAssets
$686.9MLoans
$660.9MDeposits
$129.9MEquity
Deposit mix
91%Interest-bearing $602.4M9%Noninterest $58.5MQ4 2013Q4 2014

NIM

4.29%Q4 ’124.03%Q4 ’133.76%Q4 ’14-1%-7%

Non-interest income vs. expense

2.65%Q4 ’122.88%Q4 ’132.64%Q4 ’14+8%-7%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #46 of 135 inst. · $0.6B of $404.0B

0.3% Los Angeles
0.5% San Bernardino

Executive Summary

  • Earnings: ROA of 0.66%, down 8 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 103.93% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.66%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.99%-22 bps YoY

Efficiency Ratio (YTD, annualized)

73.75%-18 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.74%0.60%0.67%0.68%0.66%-8 bps
Return on Equity4.96%4.19%4.67%4.69%4.48%-48 bps
Net Interest Margin3.21%3.12%3.14%3.04%2.99%-22 bps
Efficiency Ratio73.93%72.54%73.75%73.01%73.75%-18 bps
Non-Interest Burden2.19%2.10%2.16%2.06%2.05%-14 bps
Growth
Asset Growth (YoY)-3.94%-2.40%1.36%3.44%0.97%+490 bps
Loan Growth (YoY)-0.79%1.20%3.45%-2.85%-4.86%-407 bps
Deposit Growth (YoY)-7.24%-5.31%-0.27%2.62%3.48%+1,073 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.02%-0.01%0.00%-1 bps
Allowance / Loans0.70%0.69%0.63%0.62%0.57%-13 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 Capital21.14%20.16%21.66%23.14%24.10%+297 bps
Equity / Assets14.35%14.44%14.39%14.86%15.05%+70 bps
Liquidity & Funding
Loans / Deposits113.04%113.60%109.85%105.84%103.93%-911 bps
Liquid Assets / Assets0.06%0.06%0.06%0.29%0.35%+29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a