BCH USA

New York, NY · Cert 9828

FDIC

Q1 2001

$5.0MAssets

n/aLoans

n/aDeposits

$2.1MEquity

Executive Summary

Return on Assets (quarter, annualized)

1.97%+106 bps YoY

Net Interest Margin (quarter, annualized)

1.34%

n/a

Efficiency Ratio (quarter, annualized)

5.88%

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.35%	-1.72%	-3.48%	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	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.34%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	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	n/a	n/a	n/a	0.08%	n/a	n/a
Growth
Asset Growth (YoY)	-40.98%	-49.37%	-76.63%	-82.92%	-94.37%	-98.15%	-92.57%	-88.50%	-558 bps
Loan Growth (YoY)	-25.65%	262%	99.51%	-63.13%	-100.00%	-100.00%	-100.00%	-100.00%	-3,687 bps
Deposit Growth (YoY)	-7.24%	-32.85%	-75.78%	-92.53%	-100.00%	-100.00%	-100.00%	-100.00%	-747 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	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	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	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	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	n/a	54.72%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	6.52%	33.05%	63.59%	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%	0.00%	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