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Pacific Commerce Bank, National Association

Los Angeles, CA · Cert 57065

FDIC · 6 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Pacific Commerce Bank, National Association

Los Angeles, CA · Cert 57065

FDIC · 6 branches

Q2 2018

$552.4MAssets
$399.6MLoans
$477.8MDeposits
$72.9MEquity
Deposit mix
43%Interest-bearing $206.8M57%Noninterest $270.9MQ2 2017Q2 2018

NIM

3.90%Q2 ’164.45%Q2 ’174.98%Q2 ’18+14%+10%

Non-interest income vs. expense

3.59%Q2 ’162.95%Q2 ’173.31%Q2 ’18-16%+12%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.1% share · #66 of 121 inst. · $0.3B of $536.2B

0.1% Los Angeles
0.2% San Diego

Executive Summary

  • Earnings: ROA of 1.22%, up 12 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.16% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.59%, up 91 bps from a year ago.
  • Funding: loans stand at 83.64% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.22%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+42 bps YoY

Efficiency Ratio (YTD, annualized)

61.55%+110 bps YoY

Tier 1 Leverage Ratio

11.59%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.10%1.10%0.93%1.12%1.22%+12 bps
Return on Equity8.96%8.92%7.45%8.81%9.45%+49 bps
Net Interest Margin4.33%4.45%4.34%4.92%4.75%+42 bps
Efficiency Ratio60.46%59.88%59.83%60.03%61.55%+110 bps
Non-Interest Burden2.38%2.42%2.35%2.70%2.66%+28 bps
Growth
Asset Growth (YoY)-5.07%-2.52%-0.68%5.65%4.91%+998 bps
Loan Growth (YoY)-10.70%-3.95%2.26%-0.99%-2.02%+868 bps
Deposit Growth (YoY)2.03%-2.45%1.34%5.25%4.38%+234 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.20%0.16%0.16%+14 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans0.85%0.84%0.87%1.07%1.10%+25 bps
Allowance Coverage of NPLs36.0x38.7x4.3x6.7x6.8x-29.3x
Capital
Tier 1 Leverage Ratio10.68%11.23%11.10%11.22%11.59%+91 bps
Total Risk-Based Capital13.84%14.06%13.86%14.16%15.50%+166 bps
Equity / Assets12.71%12.75%12.94%12.55%13.19%+48 bps
Liquidity & Funding
Loans / Deposits89.09%90.86%93.19%85.35%83.64%-545 bps
Liquid Assets / Assets16.47%14.78%13.16%20.40%22.15%+567 bps
CRE / Total Capitaln/an/an/an/an/an/an/a