Asian Bank of Arizona

Phoenix, AZ · Cert 58253

FDIC

Q3 2009

$40.2MAssets

$31.3MLoans

$37.5MDeposits

$2.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -27.31%, down 2,561 bps year over year; NIM at 3.34%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 9.00%.
Funding: loans stand at 83.30% of deposits as of Q3 2009.

Return on Assets (quarter, annualized)

-27.31%-2,561 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+45 bps YoY

Efficiency Ratio (quarter, annualized)

470%+30,215 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2008	Q4 2008	Q1 2009	Q2 2009	Q3 2009	YoY Δ	Trend
Earnings
Return on Assets	-1.70%	-2.88%	-5.45%	-2.72%	-27.31%	-2,561 bps
Return on Equity	-9.07%	-17.03%	-35.90%	-20.17%	-279%	-27,043 bps
Net Interest Margin	2.89%	2.40%	2.50%	2.99%	3.34%	+45 bps
Efficiency Ratio	167.97%	171.67%	169.69%	134.11%	470%	+30,215 bps
Non-Interest Burden	4.92%	4.17%	4.30%	4.08%	6.49%	+156 bps
Growth
Asset Growth (YoY)	51.08%	52.40%	43.24%	26.81%	8.43%	-4,265 bps
Loan Growth (YoY)	61.48%	53.50%	41.22%	14.90%	-3.52%	-6,500 bps
Deposit Growth (YoY)	77.38%	79.18%	63.42%	38.38%	23.05%	-5,433 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.02%	3.56%	6.07%	2.45%	9.00%	+902 bps
Allowance / Loans	2.22%	2.10%	2.43%	2.98%	3.20%	+98 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	17.79%	16.32%	12.88%	11.95%	9.30%	-849 bps
Equity / Assets	17.53%	16.33%	14.09%	12.91%	6.49%	-1,104 bps
Liquidity & Funding
Loans / Deposits	106.24%	103.81%	101.41%	91.16%	83.30%	-2,294 bps
Liquid Assets / Assets	0.00%	5.42%	6.24%	11.60%	18.05%	+1,805 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a