Olean General

Olean, NY · Charter 22788

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.

Olean, NY · Charter 22788

Q2 2000

$1.2MAssets

$1.2MLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.58%-366 bps YoY

Net Interest Margin (YTD, annualized)

6.32%

Efficiency Ratio (YTD, annualized)

91.26%

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	4.95%	4.05%	3.71%	4.24%	5.20%	4.27%	0.70%	0.58%	-366 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	4.84%	6.32%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	72.17%	91.26%	n/a
Growth
Asset Growth (YoY)	15.47%	25.16%	44.24%	28.56%	33.20%	39.85%	26.02%	-1.24%	-2,980 bps
Loan Growth (YoY)	49.58%	83.09%	44.00%	33.27%	21.91%	4.38%	28.58%	24.83%	-844 bps
Share Growth (YoY)	13.38%	24.51%	44.82%	29.68%	33.56%	40.73%	25.81%	1.32%	-2,836 bps
Asset Quality
Delinquent Loans / Loans	1.52%	1.82%	3.25%	2.88%	3.86%	4.97%	6.60%	1.66%	-122 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	2.25%	1.29%	2.18%	1.65%	1.51%	1.52%	1.71%	1.73%	+7 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	110.66%	105.38%	94.96%	84.46%	101.00%	78.16%	97.05%	104.07%	+1,960 bps
Liquid Assets / Assets	5.40%	3.25%	9.12%	19.71%	1.72%	26.55%	0.00%	0.93%	-1,878 bps