First Capital Bank of Arizona

Phoenix, AZ · Cert 34218

FDIC

Q2 2001

$123.4MAssets

$88.1MLoans

$103.2MDeposits

$16.2MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.14%, down 29 bps year over year; NIM at 3.60%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 85.41% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

1.14%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.60%

Efficiency Ratio (YTD, annualized)

43.26%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	0.89%	1.04%	1.35%	1.43%	1.43%	1.23%	0.12%	1.14%	-29 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	3.64%	3.60%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	57.13%	43.26%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	1.96%	1.04%	n/a
Growth
Asset Growth (YoY)	30.16%	27.65%	29.91%	15.85%	22.09%	23.41%	32.90%	30.48%	+1,462 bps
Loan Growth (YoY)	67.57%	45.34%	33.75%	29.60%	22.97%	16.37%	22.47%	26.66%	-294 bps
Deposit Growth (YoY)	34.55%	29.51%	32.45%	14.43%	19.40%	22.39%	28.35%	25.19%	+1,076 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	0.02%	0.01%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.68%	1.59%	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	20.30%	19.88%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	13.03%	13.13%	n/a
Liquidity & Funding
Loans / Deposits	77.88%	83.20%	83.26%	84.42%	80.21%	79.10%	79.44%	85.41%	+100 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	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	n/a	n/a	n/a