SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 1462986




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$54,090$53,536$53,138
Loans Receivable, Net22,33624,63727,733
Mortgage-Backed Securities000
Investments18,7406,03214,025
Deposits45,36544,78244,678
Borrowings000
Equity8,6118,6798,342
Net Interest Income1,5921,9081,943
Fee Income444537
Overhead1,3521,4081,454
Net Operating Income371565528
Net Income350540500
Ratio Analysis Profitability%%%
Return on Assets *0.651.010.96
Operating Return on Assets *0.691.051.01
Return on Equity *4.046.306.10
Net Interest Margin *3.213.853.93
Fee Income / Assets *0.080.080.07
Overhead / Assets *2.522.632.80
Efficiency Ratio78.4770.7972.88
Asset Quality%%%
Nonperforming Assets / Assets2.621.251.68
Nonperforming Assets / Equity & Loss Reserves15.447.2010.02
Loss Reserves / Nonperforming Loans75.73n/a2.04
1-4 Fam Mtg + MBS / Assets0.450.360.37
Commercial Real Estate Loans / Assets41.9743.9550.45
Construction Loans / Assets0.002.591.16
Commercial & Industrial Loans / Assets0.070.340.87
Consumer Loans / Assets0.030.020.05
Capitalization%%%
Equity / Assets15.9216.2115.70
Tangible Capital / Tangible Assets15.9216.2115.70
Risk-based Capital Ratio28.0126.4223.96
Liquidity%%%
Loans / Deposits49.2455.0262.07
Non-Interest Bearing Deposits / Deposits7.958.487.06
Purchased Liabilities2.550.9939.68

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