BCH USA

New York, NY · Cert 9828

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.

New York, NY · Cert 9828

FDIC

Q1 2001

$5.0MAssets

n/aLoans

n/aDeposits

$2.1MEquity

Return on Assets (YTD, annualized)

1.97%+106 bps YoY

Net Interest Margin (YTD, annualized)

1.34%

Efficiency Ratio (YTD, annualized)

5.88%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.91%	1.16%	1.38%	1.32%	1.97%	+106 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	n/a	1.34%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	5.88%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	0.08%	n/a	n/a
Growth
Asset Growth (YoY)	-82.92%	-94.37%	-98.15%	-92.57%	-88.50%	-558 bps
Loan Growth (YoY)	-63.13%	-100.00%	-100.00%	-100.00%	-100.00%	-3,687 bps
Deposit Growth (YoY)	-92.53%	-100.00%	-100.00%	-100.00%	-100.00%	-747 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	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	n/a	54.72%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	38.54%	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