Strategic Overview

10/15/2003

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Table of Contents

Strategic Overview

Financial Summary - 3Q03

Net Interest Margin (TE)

Net Charge-Offs to Average Loans

Net Charge-Offs to Average Loansby Loan Type

Allowance to Total Loans

NPAs to Loans and OREO

Allowance to NPL

Tangible Equity to Tangible Assets

Author: Eric H. Gorze