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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, 2016
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$55,826$57,573$55,431
Loans Receivable, Net20,33220,24920,086
Mortgage-Backed Securities000
Investments20,75021,63621,881
Deposits46,47048,38446,368
Borrowings000
Equity9,2419,0878,970
Net Interest Income3681,4701,631
Fee Income114549
Overhead3531,3731,316
Net Operating Income43205407
Net Income43193400
Ratio Analysis Profitability%%%
Return on Assets *0.330.340.73
Operating Return on Assets *0.340.360.74
Return on Equity *2.022.124.49
Net Interest Margin *2.832.843.25
Fee Income / Assets *0.080.080.09
Overhead / Assets *2.442.442.39
Efficiency Ratio89.1487.0176.38
Asset Quality%%%
Nonperforming Assets / Assets1.231.161.20
Nonperforming Assets / Equity & Loss Reserves6.996.917.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets1.932.210.60
Commercial Real Estate Loans / Assets34.4033.0834.47
Construction Loans / Assets0.340.111.37
Commercial & Industrial Loans / Assets0.870.840.88
Consumer Loans / Assets0.030.040.09
Capitalization%%%
Equity / Assets16.5515.7816.18
Tangible Capital / Tangible Assets16.5515.7816.18
Risk-based Capital Ratio31.8531.2729.20
Liquidity%%%
Loans / Deposits43.7541.8543.32
Non-Interest Bearing Deposits / Deposits10.2314.828.99
Purchased Liabilities3.153.061.37

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