Balance Sheet FMT - Hanoi University

ASSETS DEC. 31, 2007 DEC. 31, 2006

1 Cash & due from dep. Instit. 9,039 10,522
Investment securities
Interest bearing bank balances 0 1,000
U.S. Treasury and agency securities 54,082 44,848
Municipal securities 32,789 34,616
Investment securities 86,871 80,464
Trading account assets 0 0
Fed Funds Sold 10,500 1,500
2 Securities Holdings 97,371 81,964
Loans and leases
Real estate loans 50,393 38,975
Commercial loans 9,615 11,381
Individual loans 8,824 10,640
Agricultural loans 20,680 19,654
Other loans and leases-domestic 3,684 4,025
Gross loans and leases 93,196 84,675
Less: unearned income reserves -89 -282
Allowance for loan and lease losses -3,006 -2,536
3 Net loans and leases 90,101 81,857
Premises, fixed assets, and capitalized
leases 2,229 2,398
Other real estate 2,282 3,012
Other assets 4,951 4,014
4 Miscellaneous assets 9,462 9,424
Total assets 205,973 183,767
LIABILITIES & CAPITAL

Demand deposits 23,063 22,528

All NOW accounts 6,021 5,322
MMDA accounts 41,402 49,797
Other savings deposits 3,097 2,992
Time deposits<100K 31,707 28,954
Time deposits>100K 83,009 57,665
1 Total deposits 188,299 167,258
Nondeposit funds
Fed funds purchased 0 0
Other borrowings 0 0
Bankers’ acceptance and other liabilitie 3,546 3,101
2 Total nondeposit funds 3,546 3,101
Total liabilities 191,845 170,359
Subordinated notes and debentures 0 0
3 All common and preferred equity 14,128 13,408
Total liabilities and capital 205,973 183,767
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Income statement FMT - Hanoi University

Revenues and Expenses December 31, 2007 December 31, 2006

Income from loans and lease financing 0 0
Fully taxable $8,880 9,032
Tax-exempt $51 50
 Interest and fees on loans and leases $8,931 9,082
Estimated tax benefit 38 21
Total income on loans and leases 8969 9,103
Investment interest income
U.S. Treasury and agency securities 3735 3,571
income
Muni securities income 3097 3,025
Estimated tax benefit 1882 2,103
Other securities income 13 0
Total investment interest income 8727 8,699
Interest on federal funds sold 192 194
Interest due from banks 27 5
Total interest income 17915 18,001
Interest expense
Interest on CDs > 100K 3248 2,924
Interest on other deposits 6757 7,167
Interest on Fed Funds bought and repos 16 59
Interest on borrowed money 0 50
Interest on mortgages and leases 0 0
Interest on subordinated debt 0 0
Total interest expense 10021 10,200
Net interest income 7894 7,801
Non-interest income 571 577
Adjusted operating income 8465 8,378
Overhead expense 3624 3,876
Provision for loan and lease loss 1294 3,208
Pre-tax operating income 3547 1,294
Securities gains/(losses) 1240 3,331
Pre-tax net operating income 4787 4,625
Applicable income taxes 2267 2,133
Net operating income before extraodinary items 2520 2,492

Net extraordinary items 0 0

Net income 2520 2,492
 Fomula Result
ROE net income/total equity 17.84%
(Net income/total asset) x (Total asset/Equity Capital)
Income statement FMT - Hanoi University

Revenues and Expenses December 31, 2007 December 31, 2006

Income from loans and lease financing $0 $0
Fully taxable $8,880 $9,032
Tax-exempt $51 $50
Interest and fees on loans and leases $8,931 $9,082
Estimated tax benefit $38 $21
Total income on loans and leases $8,969 $9,103
Investment interest income
U.S. Treasury and agency securities $3,735 $3,571
income
Muni securities income $3,097 $3,025
Estimated tax benefit $1,882 $2,103
Other securities income $13 $0
Total investment interest income $8,727 $8,699
Interest on federal funds sold $192 $194
Interest due from banks $27 $5
Total interest income $17,915 $18,001
Interest expense
Interest on CDs > $100K $3,248 $2,924
Interest on other deposits $6,757 $7,167
Interest on Fed Funds bought and repos $16 $59
Interest on borrowed money $0 $50
Interest on mortgages and leases $0 $0
Interest on subordinated debt $0 $0
Total interest expense $10,021 $10,200
Net interest income $7,894 $7,801
Non-interest income $571 $577
Adjusted operating income $8,465 $8,378
Overhead expense $3,624 $3,876
Provision for loan and lease loss $1,294 $3,208
Pre-tax operating income $3,547 $1,294
Securities gains/(losses) $1,240 $3,331
Pre-tax net operating income $4,787 $4,625
Applicable income taxes $2,267 $2,133
Net operating income before $2,520 $2,492
extraordinary items
Net extraordinary items $0 $0
Net income $2,520 $2,492
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