Summit Community Bank, National Association

Fort Worth, TX · Cert 25104

FDIC

Q1 2001

$440.9MAssets

$252.6MLoans

$402.6MDeposits

$30.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.56%, down 14 bps year over year; NIM at 4.80%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
Funding: loans stand at 62.73% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.56%-14 bps YoY

Net Interest Margin (YTD, annualized)

4.80%

n/a

Efficiency Ratio (YTD, annualized)

50.90%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.61%	1.63%	1.69%	1.69%	1.70%	1.71%	1.75%	1.56%	-14 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	n/a	n/a	4.80%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	50.90%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.11%	n/a	n/a
Growth
Asset Growth (YoY)	12.12%	13.00%	8.13%	10.37%	12.56%	14.67%	10.33%	30.08%	+1,972 bps
Loan Growth (YoY)	18.59%	11.70%	15.70%	15.83%	11.18%	12.38%	9.00%	8.84%	-699 bps
Deposit Growth (YoY)	9.42%	11.80%	7.69%	9.16%	11.27%	15.72%	10.58%	32.72%	+2,356 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	n/a	0.07%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.52%	n/a	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	n/a	13.02%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	6.94%	n/a	n/a
Liquidity & Funding
Loans / Deposits	79.83%	75.84%	73.99%	76.50%	79.77%	73.66%	72.93%	62.73%	-1,376 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.66%	+166 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a