FBR National Bank & Trust

Bethesda, MD · Cert 32652

FDIC

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Bethesda, MD · Cert 32652

FDIC

Q4 2005

$18.4MAssets

n/aLoans

n/aDeposits

$10.8MEquity

Return on Assets (YTD, annualized)

2.11%+151 bps YoY

Net Interest Margin (YTD, annualized)

1.15%0 bps YoY

Efficiency Ratio (YTD, annualized)

80.57%-253 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2004	Q1 2005	Q2 2005	Q3 2005	Q4 2005	YoY Δ	Trend
Earnings
Return on Assets	0.61%	2.85%	2.47%	2.87%	2.11%	+151 bps
Return on Equity	0.86%	4.45%	3.81%	4.34%	3.25%	+238 bps
Net Interest Margin	1.16%	1.05%	1.11%	1.04%	1.15%	0 bps
Efficiency Ratio	83.10%	76.87%	78.54%	76.79%	80.57%	-253 bps
Non-Interest Burden	0.15%	-3.77%	-3.09%	-3.88%	-2.57%	-271 bps
Growth
Asset Growth (YoY)	40.58%	43.58%	-7.85%	-9.46%	-40.65%	-8,123 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	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
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	155.38%	159.59%	142.68%	136.07%	139.11%	-1,627 bps
Equity / Assets	63.29%	64.68%	66.83%	69.85%	58.47%	-483 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	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