Polymer Employees

Reading, PA · Charter 17170

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.

Reading, PA · Charter 17170

Q2 2000

$3.1MAssets

$2.1MLoans

$2.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.18%-270 bps YoY

Net Interest Margin (YTD, annualized)

4.63%

Efficiency Ratio (YTD, annualized)

95.00%

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	2.54%	2.68%	3.11%	2.88%	3.06%	2.27%	0.07%	0.18%	-270 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	4.46%	4.63%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	93.23%	95.00%	n/a
Growth
Asset Growth (YoY)	-8.81%	-4.78%	0.09%	-5.95%	-2.79%	-1.69%	1.55%	4.64%	+1,059 bps
Loan Growth (YoY)	1.90%	-8.63%	-7.85%	4.71%	3.70%	-2.14%	3.83%	-5.96%	-1,067 bps
Share Growth (YoY)	-9.99%	-5.41%	-0.52%	-8.13%	-4.63%	-3.17%	0.69%	4.56%	+1,269 bps
Asset Quality
Delinquent Loans / Loans	3.31%	1.13%	1.24%	0.94%	2.23%	1.34%	1.61%	3.68%	+275 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	1.22%	1.18%	1.10%	1.19%	1.24%	1.10%	1.09%	1.20%	+1 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	80.87%	75.17%	78.17%	85.48%	87.92%	75.97%	80.60%	76.88%	-860 bps
Liquid Assets / Assets	20.10%	27.45%	26.07%	20.47%	18.99%	27.45%	16.73%	28.08%	+761 bps