Chase Manhattan Private Bank, National Association

Tampa, FL · Cert 26566

FDIC

Q3 2001

$61.0MAssets

$1.7MLoans

$23.2MDeposits

$25.2MEquity

Deposit mix

Executive Summary

Earnings: ROA of 3.38%, down 14 bps year over year; NIM at 3.49%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 7.16% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

3.38%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.49%

Efficiency Ratio (YTD, annualized)

73.32%

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	1.74%	2.79%	2.78%	3.53%	3.27%	2.69%	3.55%	3.38%	-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	4.10%	3.64%	3.49%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	80.64%	73.45%	73.32%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	-0.56%	-1.96%	-2.20%	n/a
Growth
Asset Growth (YoY)	-12.88%	-14.50%	7.49%	-20.88%	-5.25%	10.53%	-9.73%	3.85%	+2,472 bps
Loan Growth (YoY)	-57.97%	-25.05%	-11.52%	2.69%	3.15%	17.45%	1.45%	-9.17%	-1,186 bps
Deposit Growth (YoY)	-20.72%	-30.32%	7.44%	-43.25%	-18.49%	13.26%	-28.98%	-3.07%	+4,018 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	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	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	132.25%	145.57%	149.32%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	5.50%	6.68%	5.36%	7.64%	6.96%	6.92%	7.65%	7.16%	-48 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a