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SAFE & SOUND® STAR RATINGS

ASIAN PACIFIC NATIONAL BANK

333 WEST VALLEY BOULEVARD
SAN GABRIEL, California 91776

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$56,175$55,431$54,090
Loans Receivable, Net19,50520,08622,336
Mortgage-Backed Securities000
Investments23,97121,88118,740
Deposits46,95646,36845,365
Borrowings000
Equity9,1138,9708,611
Net Interest Income3841,6311,592
Fee Income114944
Overhead3541,3161,352
Net Operating Income54407371
Net Income51400350
Ratio Analysis Profitability%%%
Return on Assets *0.550.730.65
Operating Return on Assets *0.560.740.69
Return on Equity *3.414.494.04
Net Interest Margin *3.083.253.21
Fee Income / Assets *0.090.090.08
Overhead / Assets *2.412.392.52
Efficiency Ratio86.7676.3878.47
Asset Quality%%%
Nonperforming Assets / Assets1.191.202.62
Nonperforming Assets / Equity & Loss Reserves6.897.0015.44
Loss Reserves / Nonperforming Loansn/an/a75.73
1-4 Fam Mtg + MBS / Assets0.590.600.45
Commercial Real Estate Loans / Assets32.4934.4741.97
Construction Loans / Assets1.831.370.00
Commercial & Industrial Loans / Assets0.870.880.07
Consumer Loans / Assets0.070.090.03
Capitalization%%%
Equity / Assets16.2216.1815.92
Tangible Capital / Tangible Assets16.2216.1815.92
Risk-based Capital Ratio29.8929.2028.01
Liquidity%%%
Loans / Deposits41.5443.3249.24
Non-Interest Bearing Deposits / Deposits9.968.997.95
Purchased Liabilities1.351.372.55

* Calculations are based on the latest four quarters of income and expense.
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