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American Premier Bank

Arcadia, CA · Cert 57198

FDIC

Q4 2010

$110.5MAssets
$85.7MLoans
$95.0MDeposits
$15.4MEquity
Deposit mix
96%Interest-bearing $90.8M4%Noninterest $4.2MQ1 2009Q4 2010

Executive Summary

  • Earnings: ROA of 0.02%, up 106 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.51%.
  • Funding: loans stand at 90.23% of deposits as of Q4 2010.

Return on Assets (YTD, annualized)

0.02%+106 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+96 bps YoY

Efficiency Ratio (YTD, annualized)

84.27%-3,874 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.43%Q4 ’083.96%Q4 ’094.23%Q4 ’10-11%+51%

Non-interest income vs. expense

3.08%Q4 ’082.50%Q4 ’092.49%Q4 ’10-18%+1%

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets-1.73%-1.68%-1.20%-1.04%0.22%-0.52%-0.16%0.02%+106 bps
Return on Equity-12.88%-12.41%-8.54%-7.36%1.49%-3.57%-1.14%0.15%+751 bps
Net Interest Margin1.56%1.79%1.80%1.88%2.75%2.83%2.81%2.84%+96 bps
Efficiency Ratio170.11%144.83%131.03%123.01%83.27%87.95%85.00%84.27%-3,874 bps
Non-Interest Burden2.77%2.68%2.41%2.35%2.26%2.47%2.37%2.37%+2 bps
Growth
Asset Growth (YoY)2.64%18.14%27.32%29.24%23.57%15.88%10.44%5.41%-2,383 bps
Loan Growth (YoY)23.64%19.34%8.64%7.95%19.40%15.16%11.60%14.66%+670 bps
Deposit Growth (YoY)4.52%20.00%27.90%28.32%21.09%15.19%12.77%6.30%-2,202 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.82%0.53%0.35%0.26%0.00%0.86%0.72%0.51%+25 bps
Allowance / Loans1.26%1.41%1.47%1.61%1.54%1.54%1.54%1.47%-14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.44%17.68%20.72%20.40%19.46%18.35%18.46%17.90%-249 bps
Equity / Assets13.03%13.55%15.47%14.60%14.83%14.23%13.74%13.89%-71 bps
Liquidity & Funding
Loans / Deposits95.39%93.54%86.96%83.66%94.05%93.52%86.06%90.23%+658 bps
Liquid Assets / Assets6.02%5.53%7.16%1.58%1.26%2.69%3.77%6.48%+490 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a