Northwest Bank, National Association

Houston, TX · Cert 27273

FDIC

Q3 2001

$171.1MAssets

$77.2MLoans

$145.0MDeposits

$15.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.57%, down 43 bps year over year; NIM at 3.86%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.15%.
Funding: loans stand at 53.28% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

0.57%-43 bps YoY

Net Interest Margin (quarter, annualized)

3.86%

Efficiency Ratio (quarter, annualized)

81.52%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.88%	0.85%	0.95%	1.00%	0.86%	0.47%	0.51%	0.57%	-43 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	5.79%	6.39%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.14%	3.97%	3.86%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	83.72%	84.00%	81.52%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.38%	3.26%	3.06%	n/a
Growth
Asset Growth (YoY)	-4.70%	-12.47%	-5.91%	-8.80%	2.89%	2.83%	12.32%	13.55%	+2,234 bps
Loan Growth (YoY)	9.78%	25.98%	35.46%	25.56%	24.72%	22.34%	10.02%	7.89%	-1,767 bps
Deposit Growth (YoY)	-5.87%	-1.68%	-2.30%	-3.28%	4.54%	3.86%	15.43%	15.26%	+1,854 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	-0.01%	0.17%	-0.15%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.51%	1.51%	1.55%	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	17.01%	16.17%	16.42%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	8.93%	8.77%	9.02%	n/a
Liquidity & Funding
Loans / Deposits	47.78%	49.11%	56.68%	56.92%	57.00%	57.85%	54.02%	53.28%	-364 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	25.61%	24.92%	24.90%	+2,490 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a