Cardinal Bank-Manassas/Prince William, N.A.

Manassas, VA · Cert 35145

FDIC

Q4 2001

$68.1MAssets

$48.8MLoans

$61.9MDeposits

$6.0MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -0.11%, up 83 bps year over year; NIM at 3.21%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 78.91% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

-0.11%+83 bps YoY

Net Interest Margin (YTD, annualized)

3.21%

Efficiency Ratio (YTD, annualized)

90.45%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	-1.56%	-1.53%	-1.31%	-0.94%	-0.16%	0.07%	0.23%	-0.11%	+83 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	3.64%	3.51%	3.40%	3.21%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	100.60%	98.25%	93.48%	90.45%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	3.67%	3.44%	3.16%	2.87%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	88.23%	48.37%	50.07%	48.52%	47.67%	48.44%	+8 bps
Loan Growth (YoY)	n/a	n/a	166.67%	67.23%	61.43%	53.12%	53.56%	38.58%	-2,865 bps
Deposit Growth (YoY)	n/a	n/a	163.30%	127.46%	61.20%	57.01%	56.22%	58.67%	-6,879 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	0.00%	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.20%	1.13%	1.02%	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	14.69%	14.19%	12.92%	12.74%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	12.04%	11.44%	10.76%	8.85%	n/a
Liquidity & Funding
Loans / Deposits	97.47%	97.26%	100.18%	90.36%	97.61%	94.84%	98.48%	78.91%	-1,144 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.21%	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