Chase Bank of Texas-San Angelo, National Association

San Angelo, TX · Cert 5508

FDIC

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, on both parts.

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

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

San Angelo, TX · Cert 5508

FDIC

Q2 2001

$15.2MAssets

n/aLoans

n/aDeposits

$8.3MEquity

Return on Assets (YTD, annualized)

33.77%+2,213 bps YoY

Net Interest Margin (YTD, annualized)

0.00%

Efficiency Ratio (YTD, annualized)

49.04%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	11.64%	14.51%	14.60%	37.30%	33.77%	+2,213 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	0.00%	0.00%	n/a
Efficiency Ratio	n/a	n/a	n/a	45.42%	49.04%	n/a
Non-Interest Burden	n/a	n/a	n/a	-57.15%	-57.99%	n/a
Growth
Asset Growth (YoY)	14.43%	27.24%	24.74%	36.07%	9.44%	-499 bps
Loan Growth (YoY)	-100.00%	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-100.00%	-100.00%	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	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
Allowance / Loans	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
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	204%	173.35%	n/a
Equity / Assets	n/a	n/a	n/a	66.40%	54.84%	n/a
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	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