Midland Trust Company, National Association

Midland, TX · Cert 57207

FDIC

Q1 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: Q1 2001, the quarter ended March 31, 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.

Midland, TX · Cert 57207

FDIC

Q1 2001

$1.4MAssets

n/aLoans

n/aDeposits

$1.1MEquity

Return on Assets (YTD, annualized)

37.86%

Net Interest Margin (YTD, annualized)

0.00%

Efficiency Ratio (YTD, annualized)

52.17%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	37.86%	n/a	n/a
Return on Equity	n/a	n/a	n/a
Net Interest Margin	0.00%	n/a	n/a
Efficiency Ratio	52.17%	n/a	n/a
Non-Interest Burden	-76.42%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a
Total Risk-Based Capital	180.03%	n/a	n/a
Equity / Assets	79.05%	n/a	n/a
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	n/a	n/a
CRE / Total Capital	n/a	n/a	n/a