Main Bank, National Association

Dallas, TX · Cert 26624

FDIC

Q3 2003

$177.2MAssets

$90.8MLoans

$153.3MDeposits

$22.6MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -0.26%, down 93 bps year over year; NIM at 3.56%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.69%.
Funding: loans stand at 59.25% of deposits as of Q3 2003.

Return on Assets (quarter, annualized)

-0.26%-93 bps YoY

Net Interest Margin (quarter, annualized)

3.56%-36 bps YoY

Efficiency Ratio (quarter, annualized)

112.04%+3,031 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 2002	Q4 2002	Q1 2003	Q2 2003	Q3 2003	YoY Δ	Trend
Earnings
Return on Assets	0.67%	-2.70%	-0.16%	0.67%	-0.26%	-93 bps
Return on Equity	6.04%	-24.25%	-1.46%	5.96%	-2.14%	-817 bps
Net Interest Margin	3.92%	3.93%	3.52%	3.45%	3.56%	-36 bps
Efficiency Ratio	81.73%	138.38%	81.89%	78.68%	112.04%	+3,031 bps
Non-Interest Burden	2.92%	6.02%	2.63%	2.43%	3.99%	+107 bps
Growth
Asset Growth (YoY)	1.36%	2.40%	-1.05%	-4.69%	-16.03%	-1,739 bps
Loan Growth (YoY)	-15.61%	-12.85%	-15.61%	-22.61%	-28.98%	-1,338 bps
Deposit Growth (YoY)	11.29%	2.44%	-1.15%	-5.39%	-17.78%	-2,907 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	1.15%	0.90%	6.35%	1.41%	3.69%	+254 bps
Allowance / Loans	1.61%	2.35%	1.45%	1.24%	0.50%	-111 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	16.62%	16.66%	16.84%	18.40%	19.79%	+316 bps
Equity / Assets	11.10%	11.20%	10.87%	11.61%	12.75%	+165 bps
Liquidity & Funding
Loans / Deposits	68.60%	68.83%	62.77%	60.94%	59.25%	-935 bps
Liquid Assets / Assets	2.56%	2.43%	2.26%	2.16%	2.30%	-26 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a