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Americas United Bank

Glendale, CA · Cert 58360

FDIC · 4 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

Americas United Bank

Glendale, CA · Cert 58360

FDIC · 4 branches

Q2 2018

$230.9MAssets
$197.4MLoans
$199.7MDeposits
$30.1MEquity
Loan mix
81%RE $90.8M19%C&I $21.7M0%Consumer $0.0MQ2 2017Q2 2018
Deposit mix
83%Interest-bearing $165.9M17%Noninterest $33.8MQ2 2017Q2 2018

NIM

3.54%Q2 ’163.88%Q2 ’174.07%Q2 ’18+7%0%

Non-interest income vs. expense

2.73%Q2 ’162.46%Q2 ’172.59%Q2 ’18-7%+7%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.0% share · #79 of 121 inst. · $0.2B of $536.2B

Executive Summary

  • Earnings: ROA of 0.76%, up 11 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.73%, up 126 bps from a year ago.
  • Funding: loans stand at 98.87% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

0.76%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-1 bps YoY

Efficiency Ratio (YTD, annualized)

72.69%+425 bps YoY

Tier 1 Leverage Ratio

12.73%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.64%0.69%0.75%0.81%0.76%+11 bps
Return on Equity5.50%5.90%6.37%6.44%5.92%+42 bps
Net Interest Margin3.38%3.43%3.41%3.45%3.36%-1 bps
Efficiency Ratio68.45%66.43%65.98%74.46%72.69%+425 bps
Non-Interest Burden2.26%2.23%2.20%2.55%2.42%+16 bps
Growth
Asset Growth (YoY)8.18%4.55%1.10%-1.90%-4.16%-1,234 bps
Loan Growth (YoY)6.12%2.96%11.35%-0.31%0.02%-611 bps
Deposit Growth (YoY)8.71%4.48%2.15%-1.45%-4.05%-1,277 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.12%-0.01%0.00%0 bps
Allowance / Loans1.25%1.25%1.05%1.09%1.12%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.48%11.91%12.03%12.61%12.73%+126 bps
Total Risk-Based Capital14.61%14.88%14.20%15.16%15.75%+114 bps
Equity / Assets11.59%11.95%12.33%12.95%13.02%+144 bps
Liquidity & Funding
Loans / Deposits94.84%96.77%102.81%102.32%98.87%+402 bps
Liquid Assets / Assets13.42%12.17%5.48%7.12%9.69%-373 bps
CRE / Total Capitaln/an/an/an/an/an/an/a