Charter Pacific Bank

Agoura Hills, CA · Cert 23422

FDIC

Q3 2001

$96.6MAssets

$69.6MLoans

$83.1MDeposits

$12.9MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.10%, down 61 bps year over year; NIM at 5.00%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
Funding: loans stand at 83.75% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

-0.10%-61 bps YoY

Net Interest Margin (YTD, annualized)

5.00%

Efficiency Ratio (YTD, annualized)

101.47%

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	2.20%	0.77%	0.51%	0.51%	0.49%	0.06%	0.03%	-0.10%	-61 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	5.56%	5.21%	5.00%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	96.97%	97.20%	101.47%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	5.37%	5.05%	5.08%	n/a
Growth
Asset Growth (YoY)	1.78%	8.81%	4.54%	5.11%	4.17%	1.50%	5.55%	1.73%	-338 bps
Loan Growth (YoY)	15.60%	13.98%	18.94%	16.10%	17.89%	19.54%	27.90%	21.86%	+576 bps
Deposit Growth (YoY)	0.82%	10.09%	4.98%	5.79%	4.57%	1.32%	7.07%	2.75%	-304 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	-0.12%	-0.06%	-0.04%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.73%	1.59%	1.66%	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	18.49%	17.54%	18.44%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	12.63%	12.06%	13.35%	n/a
Liquidity & Funding
Loans / Deposits	67.99%	63.62%	64.61%	70.61%	76.65%	75.05%	77.18%	83.75%	+1,314 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	1.53%	1.54%	1.62%	+162 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a