Skowhegan Community

Skowhegan, ME · Charter 15998

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.

Skowhegan, ME · Charter 15998

Q2 2000

$8.9MAssets

$6.9MLoans

$8.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.14%-195 bps YoY

Net Interest Margin (YTD, annualized)

5.13%

Efficiency Ratio (YTD, annualized)

76.37%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.09%	3.54%	3.61%	0.85%	1.14%	-195 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	4.46%	5.13%	n/a
Efficiency Ratio	n/a	n/a	n/a	84.52%	76.37%	n/a
Growth
Asset Growth (YoY)	16.49%	20.05%	23.15%	19.68%	6.76%	-973 bps
Loan Growth (YoY)	12.83%	17.26%	11.83%	6.34%	15.11%	+228 bps
Share Growth (YoY)	17.00%	21.12%	24.04%	19.82%	5.38%	-1,163 bps
Asset Quality
Delinquent Loans / Loans	0.13%	0.18%	0.11%	0.34%	0.47%	+34 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.57%	0.52%	0.53%	0.52%	0.52%	-6 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	77.01%	75.69%	68.37%	77.20%	84.12%	+711 bps
Liquid Assets / Assets	18.20%	18.13%	23.87%	8.99%	4.50%	-1,370 bps