Encore Bank, National Association

Naples, FL · Cert 30297

FDIC

Q1 2007

$1.3BAssets

$978.8MLoans

$998.9MDeposits

$126.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.62%, down 19 bps year over year; NIM at 2.48%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
Funding: loans stand at 97.98% of deposits as of Q1 2007.

Return on Assets (YTD, annualized)

0.62%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.48%

n/a

Efficiency Ratio (YTD, annualized)

73.59%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2005	Q3 2005	Q4 2005	Q1 2006	Q2 2006	Q3 2006	Q4 2006	Q1 2007	YoY Δ	Trend
Earnings
Return on Assets	0.44%	0.48%	0.57%	0.82%	0.82%	0.77%	0.72%	0.62%	-19 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	2.48%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	73.59%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.20%	n/a	n/a
Growth
Asset Growth (YoY)	1.53%	6.59%	3.45%	4.82%	1.41%	-0.41%	1.54%	-2.72%	-754 bps
Loan Growth (YoY)	23.08%	21.97%	22.33%	14.68%	8.08%	8.25%	10.70%	11.85%	-283 bps
Deposit Growth (YoY)	4.90%	10.16%	11.66%	13.17%	14.75%	19.47%	26.30%	19.70%	+653 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	1.00%	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	11.14%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.81%	n/a	n/a
Liquidity & Funding
Loans / Deposits	105.10%	105.32%	105.80%	104.86%	98.99%	95.43%	92.74%	97.98%	-687 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.73%	+1,273 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a