Central Bank & Trust

Little Rock, AR · Cert 33242

FDIC

Q3 2001

$152.5MAssets

$90.4MLoans

$130.8MDeposits

$14.4MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -1.43%, down 36 bps year over year; NIM at 3.01%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
Funding: loans stand at 69.12% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

-1.43%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.01%

Efficiency Ratio (YTD, annualized)

131.81%

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	0.26%	-0.41%	-0.94%	-1.07%	-1.47%	-0.98%	-1.27%	-1.43%	-36 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	2.98%	3.18%	3.01%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	129.09%	134.77%	131.81%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	4.55%	4.93%	4.57%	n/a
Growth
Asset Growth (YoY)	9.07%	14.63%	18.23%	16.16%	23.72%	15.34%	11.21%	28.02%	+1,186 bps
Loan Growth (YoY)	11.72%	14.30%	17.46%	12.14%	17.58%	10.01%	17.11%	23.65%	+1,151 bps
Deposit Growth (YoY)	-3.71%	-1.36%	10.92%	20.48%	38.84%	36.43%	23.76%	30.70%	+1,022 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	0.10%	0.14%	0.14%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.38%	1.30%	1.70%	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	11.70%	10.17%	10.38%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	10.85%	10.21%	9.45%	n/a
Liquidity & Funding
Loans / Deposits	84.35%	85.01%	79.48%	73.06%	71.43%	68.55%	75.21%	69.12%	-394 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	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