Byl Bank Group

Orange, CA · Cert 23063

FDIC

Q3 2001

$282.1MAssets

$182.5MLoans

$249.9MDeposits

$30.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.06%, up 16 bps year over year; NIM at 5.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
Funding: loans stand at 73.04% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.06%+16 bps YoY

Net Interest Margin (YTD, annualized)

5.12%

Efficiency Ratio (YTD, annualized)

84.23%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.68%	-0.18%	0.48%	0.90%	0.53%	0.39%	0.97%	1.06%	+16 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	5.53%	5.31%	5.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	90.75%	85.31%	84.23%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	4.58%	3.81%	3.41%	n/a
Growth
Asset Growth (YoY)	11.11%	4.68%	-5.28%	-19.78%	-18.86%	-21.11%	-13.44%	-3.81%	+1,597 bps
Loan Growth (YoY)	11.43%	5.52%	-22.76%	-21.08%	-30.19%	-16.28%	-6.55%	-13.29%	+779 bps
Deposit Growth (YoY)	12.42%	4.79%	-2.03%	-22.55%	-21.26%	-24.13%	-15.83%	-4.39%	+1,816 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.22%	0.12%	0.09%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.16%	1.11%	1.19%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	10.40%	11.03%	14.57%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	10.31%	10.69%	10.83%	n/a
Liquidity & Funding
Loans / Deposits	82.33%	69.49%	71.87%	80.54%	72.99%	76.67%	79.79%	73.04%	-749 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	5.62%	4.92%	5.73%	+573 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a