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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 September 30, 2015
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$57,062$55,431$54,090
Loans Receivable, Net19,45820,08622,336
Mortgage-Backed Securities000
Investments22,74621,88118,740
Deposits47,76046,36845,365
Borrowings000
Equity9,1878,9708,611
Net Interest Income1,1101,6311,592
Fee Income324944
Overhead1,0291,3161,352
Net Operating Income159407371
Net Income151400350
Ratio Analysis Profitability%%%
Return on Assets *0.400.730.65
Operating Return on Assets *0.420.740.69
Return on Equity *2.444.494.04
Net Interest Margin *2.923.253.21
Fee Income / Assets *0.080.090.08
Overhead / Assets *2.452.392.52
Efficiency Ratio86.6276.3878.47
Asset Quality%%%
Nonperforming Assets / Assets1.171.202.62
Nonperforming Assets / Equity & Loss Reserves6.847.0015.44
Loss Reserves / Nonperforming Loansn/an/a75.73
1-4 Fam Mtg + MBS / Assets1.710.600.45
Commercial Real Estate Loans / Assets32.2134.4741.97
Construction Loans / Assets1.181.370.00
Commercial & Industrial Loans / Assets0.060.880.07
Consumer Loans / Assets0.050.090.03
Capitalization%%%
Equity / Assets16.1016.1815.92
Tangible Capital / Tangible Assets16.1016.1815.92
Risk-based Capital Ratio32.3929.2028.01
Liquidity%%%
Loans / Deposits40.7443.3249.24
Non-Interest Bearing Deposits / Deposits11.138.997.95
Purchased Liabilities2.641.372.55

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