Century National Bank

Washington, DC · Cert 23812

FDIC

Q3 2001

$412.5MAssets

$293.0MLoans

$330.6MDeposits

$28.0MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.12%, down 69 bps year over year; NIM at 3.72%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.45%.
Funding: loans stand at 88.62% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.12%¹-69 bps YoY

Net Interest Margin (YTD, annualized)

3.72%

Efficiency Ratio (YTD, annualized)

92.44%

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	0.66%	0.74%	0.84%	0.81%	0.67%	0.30%	0.36%¹	0.12%¹	-69 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	3.99%	3.71%	3.72%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	79.79%	93.85%	92.44%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.04%	3.44%	3.39%	n/a
Growth
Asset Growth (YoY)	35.32%	35.18%	27.46%	41.36%	42.34%	33.15%	82.16%	45.02%	+366 bps
Loan Growth (YoY)	20.06%	12.86%	18.69%	38.77%	42.58%	47.35%	93.49%	62.03%	+2,326 bps
Deposit Growth (YoY)	20.65%	27.09%	18.58%	57.17%	45.86%	27.40%	84.97%	52.24%	-493 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	0.51%	0.56%	0.45%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	0.95%	1.00%	1.20%	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	10.03%	9.70%	9.58%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.20%	7.12%	6.78%	n/a
Liquidity & Funding
Loans / Deposits	88.59%	78.98%	87.52%	83.27%	86.60%	91.35%	91.55%	88.62%	+535 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	3.59%	4.92%	5.91%	+591 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a