PackageTrendsPeer
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Professional Business Bank

Pasadena, CA · Cert 57148

FDIC

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Professional Business Bank

Pasadena, CA · Cert 57148

FDIC

Q3 2010

$280.9MAssets
$209.0MLoans
$251.4MDeposits
$26.9MEquity
Loan mix
65%RE $81.2M34%C&I $42.3M1%Consumer $0.6MQ3 2009Q3 2010
Deposit mix
70%Interest-bearing $175.4M30%Noninterest $76.1MQ3 2009Q3 2010

NIM

5.57%Q3 ’085.97%Q3 ’095.14%Q3 ’10+14%-14%

Non-interest income vs. expense

14.33%Q3 ’0814.94%Q3 ’095.14%Q3 ’10+7%-62%

Executive Summary

  • Earnings: ROA of -3.32%, up 1,120 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.26%.
  • Funding: loans stand at 83.14% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-3.32%+1,120 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-64 bps YoY

Efficiency Ratio (YTD, annualized)

147.51%+3,559 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-14.51%-11.50%-1.65%-2.65%-3.32%+1,120 bps
Return on Equity-117.65%-101.00%-24.43%-33.86%-40.24%+7,740 bps
Net Interest Margin4.59%4.71%3.93%3.83%3.95%-64 bps
Efficiency Ratio111.92%109.62%126.17%115.70%147.51%+3,559 bps
Non-Interest Burden15.08%13.11%5.14%4.68%5.75%-933 bps
Growth
Asset Growth (YoY)-20.54%-21.20%-20.03%-18.24%-10.06%+1,047 bps
Loan Growth (YoY)-9.36%-12.68%-20.43%-25.05%-25.36%-1,600 bps
Deposit Growth (YoY)-10.53%-8.07%-4.51%-9.50%-12.95%-242 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.64%2.99%2.39%1.97%2.26%-138 bps
Allowance / Loans3.48%3.63%3.80%4.80%4.97%+149 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 Capital8.21%8.24%8.65%13.63%13.32%+511 bps
Equity / Assets6.96%6.85%6.69%9.95%9.58%+263 bps
Liquidity & Funding
Loans / Deposits96.96%96.24%88.18%83.54%83.14%-1,382 bps
Liquid Assets / Assets0.51%0.51%12.64%19.21%19.02%+1,851 bps
CRE / Total Capitaln/an/an/an/an/an/an/a