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Metropacific Bank

Irvine, CA · Cert 57893

FDIC

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

Metropacific Bank

Irvine, CA · Cert 57893

FDIC

Q1 2009

$75.3MAssets
$59.9MLoans
$70.1MDeposits
$2.7MEquity
Loan mix
49%RE $27.9M51%C&I $28.6M0%Consumer $0.0MQ1 2008Q1 2009
Deposit mix
93%Interest-bearing $65.5M7%Noninterest $4.6MQ1 2008Q1 2009

NIM

8.74%Q1 ’077.72%Q1 ’084.29%Q1 ’09-21%-72%

Non-interest income vs. expense

7.20%Q1 ’075.31%Q1 ’085.62%Q1 ’09-40%+28%

Executive Summary

  • Earnings: ROA of -12.96%, down 1,248 bps year over year; NIM at 1.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 26.43%.
  • Funding: loans stand at 85.48% of deposits as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-12.96%-1,248 bps YoY

Net Interest Margin (YTD, annualized)

1.18%-309 bps YoY

Efficiency Ratio (YTD, annualized)

427%+32,627 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-0.48%-0.36%-3.06%-8.17%-12.96%-1,248 bps
Return on Equity-2.92%-2.23%-20.36%-61.93%-251%-24,803 bps
Net Interest Margin4.27%3.66%3.06%2.46%1.18%-309 bps
Efficiency Ratio100.23%102.68%122.83%152.23%427%+32,627 bps
Non-Interest Burden4.28%3.79%3.94%4.04%5.48%+120 bps
Growth
Asset Growth (YoY)27.66%29.22%35.15%22.07%13.32%-1,434 bps
Loan Growth (YoY)44.16%51.22%36.79%22.47%4.94%-3,922 bps
Deposit Growth (YoY)31.28%33.66%48.67%42.13%34.03%+275 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.82%0.87%1.35%26.43%+2,625 bps
Allowance / Loans2.28%1.80%2.95%7.36%4.21%+194 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 Capital19.95%19.05%14.85%9.64%5.36%-1,459 bps
Equity / Assets16.10%15.71%11.99%6.68%3.61%-1,249 bps
Liquidity & Funding
Loans / Deposits109.18%112.29%101.90%94.02%85.48%-2,370 bps
Liquid Assets / Assets1.30%0.35%1.85%2.23%2.77%+147 bps
CRE / Total Capitaln/an/an/an/an/an/an/a