Zelienople J M

Zelienople, PA · Charter 11827

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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.

Zelienople, PA · Charter 11827

Q4 2000

$630KAssets

$685KLoans

$653KShares

$-23KNet Worth

Return on Assets (YTD, annualized)

-24.92%-3,024 bps YoY

Net Interest Margin (YTD, annualized)

8.47%

Efficiency Ratio (YTD, annualized)

74.05%

Net Worth / Assets

-3.72%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	5.09%	5.20%	5.58%	5.32%	3.21%	0.93%	-20.19%	-24.92%	-3,024 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	5.74%	7.33%	8.47%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	67.29%	66.18%	74.05%	n/a
Growth
Asset Growth (YoY)	8.59%	2.28%	-5.24%	-1.43%	10.05%	5.41%	-6.95%	-24.47%	-2,304 bps
Loan Growth (YoY)	29.13%	23.12%	17.64%	5.82%	9.67%	8.14%	-1.39%	-7.91%	-1,373 bps
Share Growth (YoY)	6.43%	-0.52%	-8.74%	-5.71%	8.06%	2.91%	0.76%	-6.97%	-127 bps
Asset Quality
Delinquent Loans / Loans	1.57%	0.10%	0.79%	0.65%	4.90%	16.96%	16.95%	24.43%	+2,378 bps
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	0.41%	0.15%	0.13%	0.00%	0.41%	1.11%	6.13%	15.99%	+1,599 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-3.72%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-3.72%	n/a	n/a
Liquidity & Funding
Loans / Shares	91.23%	100.58%	108.33%	106.03%	92.59%	105.69%	106.02%	104.97%	-107 bps
Liquid Assets / Assets	15.91%	0.72%	0.00%	0.00%	10.83%	0.00%	0.00%	6.61%	+661 bps