Chevron Credit Bank, National Association

Murray, UT · Cert 34326

FDIC

Q3 2007

$140.7MAssets

n/aLoans

$500KDeposits

$46.4MEquity

Deposit mix

Executive Summary

Return on Assets (quarter, annualized)

2.89%-102 bps YoY

Net Interest Margin (quarter, annualized)

2.28%-30 bps YoY

Efficiency Ratio (quarter, annualized)

91.24%-10 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 2005	Q1 2006	Q2 2006	Q3 2006	Q4 2006	Q1 2007	Q2 2007	Q3 2007	YoY Δ	Trend
Earnings
Return on Assets	3.36%	3.49%	3.23%	3.90%	1.87%	3.21%	2.91%	2.89%	-102 bps
Return on Equity	7.57%	8.07%	7.66%	9.36%	4.49%	7.51%	7.48%	8.42%	-94 bps
Net Interest Margin	1.96%	1.90%	2.13%	2.57%	2.78%	2.35%	2.54%	2.28%	-30 bps
Efficiency Ratio	91.15%	91.75%	91.48%	91.34%	91.24%	91.09%	90.91%	91.24%	-10 bps
Non-Interest Burden	-3.20%	-3.30%	-2.49%	-3.16%	-1.18%	-2.28%	-2.09%	-2.32%	+84 bps
Growth
Asset Growth (YoY)	24.48%	6.78%	12.98%	10.75%	8.16%	0.25%	26.71%	-1.27%	-1,202 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	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	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	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	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	83.19%	75.70%	77.23%	70.22%	70.23%	69.04%	42.09%	28.63%	-4,159 bps
Equity / Assets	44.28%	42.25%	42.10%	41.28%	42.13%	43.30%	35.31%	32.94%	-835 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	13.36%	22.81%	20.95%	23.31%	17.26%	22.14%	21.36%	20.26%	-305 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a