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Chevron Credit Bank, National Association

Murray, UT · Cert 34326

FDIC

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chevron Credit Bank, National Association

Murray, UT · Cert 34326

FDIC

Q3 2007

$140.7MAssets
n/aLoans
$500KDeposits
$46.4MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2006Q3 2007

NIM

1.28%Q3 ’052.20%Q3 ’062.40%Q3 ’07+73%+9%

Non-interest income vs. expense

53.60%Q3 ’0555.49%Q3 ’0646.97%Q3 ’07+17%+25%

Executive Summary

  • Earnings: ROA of 3.05%, down 50 bps year over year; NIM at 2.38%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

3.05%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+19 bps YoY

Efficiency Ratio (YTD, annualized)

91.08%-44 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets3.55%3.13%3.21%2.99%3.05%-50 bps
Return on Equity8.36%7.38%7.51%7.50%7.96%-40 bps
Net Interest Margin2.19%2.39%2.35%2.43%2.38%+19 bps
Efficiency Ratio91.52%91.46%91.09%91.00%91.08%-44 bps
Non-Interest Burden-2.95%-2.58%-2.28%-2.17%-2.22%+73 bps
Growth
Asset Growth (YoY)10.75%8.16%0.25%26.71%-1.27%-1,202 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital70.22%70.23%69.04%42.09%28.63%-4,159 bps
Equity / Assets41.28%42.13%43.30%35.31%32.94%-835 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets23.31%17.26%22.14%21.36%20.26%-305 bps
CRE / Total Capitaln/an/an/an/an/an/an/a