Ning Weng likes to give people a sheet of paper with two columns of numbers on it.

On the left-hand side - representing the two years before Mr. Weng's arrival as chief executive officer at Asian American National Bank - are losses totaling more than $1 million and nonperforming loan indicators in the double digits. The right-hand side, covering the years since 1993, shows the bank in the black, with nonperformers dropping below 1% of total loans.

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