U S Gauge

Perkasie, PA · Charter 16451

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.

Perkasie, PA · Charter 16451

Q2 2000

$766KAssets

$745KLoans

$718KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.11%-284 bps YoY

Net Interest Margin (YTD, annualized)

5.56%

Efficiency Ratio (YTD, annualized)

80.67%

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	3.77%	3.45%	2.30%	3.95%	4.12%	-7.05%	-5.46%	1.11%	-284 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	6.54%	5.56%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	82.57%	80.67%	n/a
Growth
Asset Growth (YoY)	-8.61%	-4.34%	-3.90%	-6.08%	-5.31%	-13.16%	-18.77%	-32.12%	-2,604 bps
Loan Growth (YoY)	2.17%	-1.96%	19.35%	5.70%	-1.86%	1.59%	-22.74%	-30.34%	-3,604 bps
Share Growth (YoY)	-9.51%	-5.53%	-3.49%	-6.39%	-5.65%	-8.78%	-16.07%	-30.68%	-2,429 bps
Asset Quality
Delinquent Loans / Loans	10.29%	9.64%	9.15%	9.67%	11.01%	7.82%	12.24%	18.30%	+863 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	2.10%	1.77%	3.15%	3.38%	1.89%	6.41%	7.79%	8.69%	+531 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	98.80%	89.07%	101.40%	103.31%	102.77%	99.21%	93.33%	103.82%	+51 bps
Liquid Assets / Assets	6.02%	15.51%	3.26%	3.42%	4.58%	5.57%	12.37%	0.09%	-333 bps