SAFE & SOUND® STAR RATINGS

Financial statement

ASIAN PACIFIC NATIONAL BANK
333 WEST VALLEY BOULEVARD
SAN GABRIEL, California 91776

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of March 31, 2014
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$54,549$54,090$53,536
Loans Receivable, Net20,47822,33624,637
Mortgage-Backed Securities000
Investments19,79518,7406,032
Deposits45,59945,36544,782
Borrowings000
Equity8,8118,6118,679
Net Interest Income4631,5921,908
Fee Income124445
Overhead3341,3521,408
Net Operating Income149371565
Net Income145350540
Ratio Analysis Profitability%%%
Return on Assets *0.790.651.01
Operating Return on Assets *0.820.691.05
Return on Equity *4.874.046.30
Net Interest Margin *3.323.213.85
Fee Income / Assets *0.090.080.08
Overhead / Assets *2.472.522.63
Efficiency Ratio69.1578.4770.79
Asset Quality%%%
Nonperforming Assets / Assets1.222.621.25
Nonperforming Assets / Equity & Loss Reserves7.1115.447.20
Loss Reserves / Nonperforming Loansn/a75.73n/a
1-4 Fam Mtg + MBS / Assets0.440.450.36
Commercial Real Estate Loans / Assets38.1941.9743.95
Construction Loans / Assets0.000.002.59
Commercial & Industrial Loans / Assets0.070.070.34
Consumer Loans / Assets0.030.030.02
Capitalization%%%
Equity / Assets16.1515.9216.21
Tangible Capital / Tangible Assets16.1515.9216.21
Risk-based Capital Ratio29.4828.0126.42
Liquidity%%%
Loans / Deposits44.9149.2455.02
Non-Interest Bearing Deposits / Deposits9.777.958.48
Purchased Liabilities2.012.550.99

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