Bansco

Bangor, ME · Charter 15436

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Bangor, ME · Charter 15436

Q2 2001

$10.2MAssets

$7.9MLoans

$9.6MShares

$585KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.42%-231 bps YoY

Net Interest Margin (YTD, annualized)

5.31%

Efficiency Ratio (YTD, annualized)

89.04%

Net Worth / Assets

5.74%

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	2.73%	0.04%	0.02%	0.34%	0.42%	-231 bps
Return on Equity	n/a	n/a	n/a	5.44%	7.34%	n/a
Net Interest Margin	n/a	4.90%	5.29%	5.83%	5.31%	n/a
Efficiency Ratio	n/a	94.19%	90.16%	89.20%	89.04%	n/a
Growth
Asset Growth (YoY)	17.19%	12.75%	1.34%	-3.55%	0.59%	-1,660 bps
Loan Growth (YoY)	8.80%	12.33%	13.05%	21.40%	18.85%	+1,006 bps
Share Growth (YoY)	17.15%	12.61%	0.94%	-4.18%	0.22%	-1,692 bps
Asset Quality
Delinquent Loans / Loans	0.27%	0.80%	0.43%	0.59%	0.60%	+33 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.32%	0.43%	0.42%	0.37%	0.48%	+15 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	6.20%	5.74%	n/a
Net Worth / Assets	n/a	n/a	n/a	6.20%	5.74%	n/a
Liquidity & Funding
Loans / Shares	69.08%	78.83%	80.71%	93.08%	81.92%	+1,284 bps
Liquid Assets / Assets	24.70%	0.00%	5.15%	4.75%	14.40%	-1,029 bps