Enterprise Banking, N.A.

Overland Park, KS · Cert 4696

FDIC

Q2 2001

$160.6MAssets

$122.6MLoans

$139.1MDeposits

$14.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.39%, down 69 bps year over year; NIM at 3.83%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.43%.
Funding: loans stand at 88.10% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

0.39%-69 bps YoY

Net Interest Margin (quarter, annualized)

3.83%

Efficiency Ratio (quarter, annualized)

84.05%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	0.91%	0.31%	1.00%	1.08%	0.97%	0.87%	0.46%	0.39%	-69 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	4.13%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	4.15%	3.83%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	79.92%	84.05%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	3.21%	3.11%	n/a
Growth
Asset Growth (YoY)	13.32%	13.16%	12.10%	15.78%	12.27%	9.34%	15.57%	20.93%	+515 bps
Loan Growth (YoY)	13.02%	16.84%	12.28%	15.76%	16.43%	16.76%	16.49%	21.82%	+606 bps
Deposit Growth (YoY)	15.11%	12.36%	21.63%	18.72%	14.67%	11.56%	16.17%	20.56%	+184 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	0.00%	1.43%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	2.05%	1.54%	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	11.62%	10.93%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	9.68%	9.03%	n/a
Liquidity & Funding
Loans / Deposits	82.41%	87.41%	86.84%	87.19%	83.67%	91.49%	87.08%	88.10%	+91 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.44%	0.44%	+44 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a