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Bank of Manhattan, National Association

El Segundo, CA · Cert 58568

FDIC · 6 branches

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Bank of Manhattan, National Association

El Segundo, CA · Cert 58568

FDIC · 6 branches

Q1 2015

$481.5MAssets
$378.7MLoans
$416.0MDeposits
$54.0MEquity
Loan mix
68%RE $187.0M25%C&I $67.4M7%Consumer $20.1MQ1 2014Q1 2015
Deposit mix
51%Interest-bearing $213.9M49%Noninterest $202.1MQ1 2014Q1 2015

NIM

4.28%Q1 ’133.60%Q1 ’144.40%Q1 ’15-18%+30%

Non-interest income vs. expense

9.88%Q1 ’137.85%Q1 ’147.84%Q1 ’15+20%+25%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2014 SOD (annual) · 0.1% share · #53 of 135 inst. · $0.4B of $404.0B

Executive Summary

  • Earnings: ROA of -1.46%, down 2 bps year over year; NIM at 4.24%.
  • 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 9.42%.
  • Funding: loans stand at 91.04% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.46%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.24%+98 bps YoY

Efficiency Ratio (YTD, annualized)

120.57%+369 bps YoY

Tier 1 Leverage Ratio

9.42%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-1.45%-0.63%-0.73%-0.64%-1.46%-2 bps
Return on Equity-12.66%-5.48%-6.38%-5.64%-13.10%-44 bps
Net Interest Margin3.26%3.58%3.68%3.75%4.24%+98 bps
Efficiency Ratio116.88%103.53%99.50%100.45%120.57%+369 bps
Non-Interest Burden4.50%3.96%4.24%4.25%5.61%+111 bps
Growth
Asset Growth (YoY)1.98%3.21%3.92%-0.82%-4.45%-643 bps
Loan Growth (YoY)-13.79%1.24%13.49%14.06%11.03%+2,482 bps
Deposit Growth (YoY)1.82%4.68%4.99%-0.27%-4.54%-637 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.10%0.06%0.04%0.00%-3 bps
Allowance / Loans0.86%0.81%0.84%0.88%0.87%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a9.42%n/an/a
Total Risk-Based Capital14.25%12.89%13.01%12.85%12.47%-178 bps
Equity / Assets11.26%11.49%11.28%11.14%11.22%-4 bps
Liquidity & Funding
Loans / Deposits78.27%90.60%89.78%86.98%91.04%+1,277 bps
Liquid Assets / Assets17.55%5.25%7.06%10.52%8.01%-954 bps
CRE / Total Capitaln/an/an/an/an/an/an/a