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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 December 31, 2015
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$57,573$55,431$54,090
Loans Receivable, Net20,24920,08622,336
Mortgage-Backed Securities000
Investments21,63621,88118,740
Deposits48,38446,36845,365
Borrowings000
Equity9,0878,9708,611
Net Interest Income1,4701,6311,592
Fee Income454944
Overhead1,3731,3161,352
Net Operating Income205407371
Net Income193400350
Ratio Analysis Profitability%%%
Return on Assets *0.340.730.65
Operating Return on Assets *0.360.740.69
Return on Equity *2.124.494.04
Net Interest Margin *2.843.253.21
Fee Income / Assets *0.080.090.08
Overhead / Assets *2.442.392.52
Efficiency Ratio87.0176.3878.47
Asset Quality%%%
Nonperforming Assets / Assets1.161.202.62
Nonperforming Assets / Equity & Loss Reserves6.917.0015.44
Loss Reserves / Nonperforming Loansn/an/a75.73
1-4 Fam Mtg + MBS / Assets2.210.600.45
Commercial Real Estate Loans / Assets33.0834.4741.97
Construction Loans / Assets0.111.370.00
Commercial & Industrial Loans / Assets0.840.880.07
Consumer Loans / Assets0.040.090.03
Capitalization%%%
Equity / Assets15.7816.1815.92
Tangible Capital / Tangible Assets15.7816.1815.92
Risk-based Capital Ratio31.2729.2028.01
Liquidity%%%
Loans / Deposits41.8543.3249.24
Non-Interest Bearing Deposits / Deposits14.828.997.95
Purchased Liabilities3.061.372.55

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