Quaker Oats Shiremanstown

Shirmanstown, PA · Charter 13575

Q2 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: Q2 2000, the quarter ended June 30, 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.

Shirmanstown, PA · Charter 13575

Q2 2000

$2.8MAssets

$1.2MLoans

$2.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.53%-348 bps YoY

Net Interest Margin (YTD, annualized)

3.81%

Efficiency Ratio (YTD, annualized)

34.39%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	5.30%	5.94%	5.58%	6.02%	5.47%	4.88%	1.00%	2.53%	-348 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	2.76%	3.81%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	61.90%	34.39%	n/a
Growth
Asset Growth (YoY)	-0.28%	5.25%	13.50%	15.88%	20.28%	20.68%	13.56%	6.67%	-921 bps
Loan Growth (YoY)	10.29%	8.72%	19.79%	23.63%	5.84%	0.42%	-12.36%	-29.54%	-5,317 bps
Share Growth (YoY)	-5.09%	0.98%	11.45%	14.06%	19.72%	20.93%	12.59%	7.35%	-671 bps
Asset Quality
Delinquent Loans / Loans	0.64%	0.80%	0.37%	0.48%	1.10%	2.01%	1.86%	3.68%	+320 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	4.05%	3.90%	3.65%	3.53%	3.85%	4.09%	3.90%	4.74%	+120 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	77.69%	80.39%	80.80%	79.98%	68.68%	66.76%	62.89%	52.50%	-2,748 bps
Liquid Assets / Assets	35.55%	34.21%	33.92%	34.45%	41.93%	45.49%	47.24%	54.56%	+2,012 bps