Cardinal Bank-Dulles, National Association

Reston, VA · Cert 35196

FDIC

Q3 2001

$46.3MAssets

$39.6MLoans

$39.2MDeposits

$4.6MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -1.73%, up 318 bps year over year; NIM at 4.33%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 101.09% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

-1.73%+318 bps YoY

Net Interest Margin (quarter, annualized)

4.33%

Efficiency Ratio (quarter, annualized)

120.04%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	-4.87%	-6.17%	-5.61%	-4.91%	-4.74%	-3.08%	-2.07%	-1.73%	+318 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-17.54%	-16.39%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.33%	4.26%	4.33%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	163.18%	128.98%	120.04%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	7.46%	5.72%	5.33%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	149.67%	104.45%	110.99%	91.87%	80.31%	-6,936 bps
Loan Growth (YoY)	n/a	n/a	n/a	181.59%	105.20%	98.55%	101.98%	142.99%	-3,859 bps
Deposit Growth (YoY)	n/a	n/a	n/a	465%	227%	182.47%	121.54%	98.29%	-36,696 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	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.07%	1.07%	1.13%	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	16.43%	13.27%	11.90%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	12.25%	11.35%	9.84%	n/a
Liquidity & Funding
Loans / Deposits	167.86%	119.81%	109.05%	82.49%	105.49%	84.22%	99.42%	101.09%	+1,860 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