Coastal Bank

Portland, ME · Cert 23375

FDIC

Q2 2001

$236.2MAssets

$146.4MLoans

$157.6MDeposits

$17.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.84%, up 11 bps year over year; NIM at 3.56%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
Funding: loans stand at 92.92% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

0.84%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.56%

Efficiency Ratio (quarter, annualized)

79.41%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.51%	1.37%	0.77%	0.72%	0.72%	0.70%	0.74%	0.84%	+11 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.46%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	3.82%	3.56%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	84.18%	79.41%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	3.15%	2.71%	n/a
Growth
Asset Growth (YoY)	7.09%	0.11%	5.98%	14.07%	6.75%	15.44%	12.63%	15.90%	+183 bps
Loan Growth (YoY)	12.29%	14.15%	11.51%	9.51%	5.43%	9.66%	18.76%	20.50%	+1,099 bps
Deposit Growth (YoY)	-3.70%	-5.64%	-10.81%	-4.09%	-1.65%	1.77%	13.74%	18.46%	+2,255 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	n/a	-0.33%	-0.05%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	2.04%	2.02%	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	n/a	15.98%	14.60%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	8.52%	7.52%	n/a
Liquidity & Funding
Loans / Deposits	82.62%	83.52%	92.45%	91.35%	88.56%	90.00%	96.53%	92.92%	+157 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.41%	10.36%	+1,036 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a