Express Chinatrust Bank Retained Charter

Alvin, TX · Cert 0

FDIC

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Alvin, TX · Cert 0

FDIC

Q3 2020

$13.6MAssets

n/aLoans

n/aDeposits

$8.4MEquity

Return on Assets (YTD, annualized)

46.93%+4,610 bps YoY

Net Interest Margin (YTD, annualized)

0.33%-89 bps YoY

Efficiency Ratio (YTD, annualized)

80.28%+8,028 bps YoY

Tier 1 Leverage Ratio

51.42%

Year to date, annualized, through each quarter.

Metric	Q2 2006	Q3 2006	Q4 2006	Q1 2007	Q3 2020	YoY Δ	Trend
Earnings
Return on Assets	0.83%	0.99%	1.15%	2.63%	46.93%	+4,610 bps
Return on Equity	n/a	n/a	n/a	2.63%	75.86%	n/a
Net Interest Margin	1.22%	1.33%	1.65%	2.63%	0.33%	-89 bps
Efficiency Ratio	0.00%	25.00%	30.00%	0.00%	80.28%	+8,028 bps
Non-Interest Burden	0.00%	0.33%	0.50%	0.00%	-38.67%	-3,867 bps
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	1027%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	51.42%	n/a	n/a
Total Risk-Based Capital	500%	500%	500%	501%	51.42%	-44,858 bps
Equity / Assets	100.00%	100.00%	100.00%	100.00%	61.87%	-3,813 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	100.00%	100.00%	100.00%	100.00%	0.00%	-10,000 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a