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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 + (improve)
As of December 31, 2014
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$55,431$54,090$53,536
Loans Receivable, Net20,08622,33624,637
Mortgage-Backed Securities000
Investments21,88118,7406,032
Deposits46,36845,36544,782
Borrowings000
Equity8,9708,6118,679
Net Interest Income1,6311,5921,908
Fee Income494445
Overhead1,3161,3521,408
Net Operating Income407371565
Net Income400350540
Ratio Analysis Profitability%%%
Return on Assets *0.730.651.01
Operating Return on Assets *0.740.691.05
Return on Equity *4.494.046.30
Net Interest Margin *3.253.213.85
Fee Income / Assets *0.090.080.08
Overhead / Assets *2.392.522.63
Efficiency Ratio76.3878.4770.79
Asset Quality%%%
Nonperforming Assets / Assets1.202.621.25
Nonperforming Assets / Equity & Loss Reserves7.0015.447.20
Loss Reserves / Nonperforming Loansn/a75.73n/a
1-4 Fam Mtg + MBS / Assets0.600.450.36
Commercial Real Estate Loans / Assets34.4741.9743.95
Construction Loans / Assets1.370.002.59
Commercial & Industrial Loans / Assets0.880.070.34
Consumer Loans / Assets0.090.030.02
Capitalization%%%
Equity / Assets16.1815.9216.21
Tangible Capital / Tangible Assets16.1815.9216.21
Risk-based Capital Ratio29.2028.0126.42
Liquidity%%%
Loans / Deposits43.3249.2455.02
Non-Interest Bearing Deposits / Deposits8.997.958.48
Purchased Liabilities1.372.550.99

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