Main Street Bank

Reading, PA · Cert 27104

FDIC

Q4 2001

$1.5BAssets

$851.3MLoans

$1.3BDeposits

$102.5MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.77%, up 92 bps year over year; NIM at 3.45%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
Funding: loans stand at 66.82% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

0.77%+92 bps YoY

Net Interest Margin (quarter, annualized)

3.45%

Efficiency Ratio (quarter, annualized)

68.61%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	0.56%	-0.01%	0.13%	-0.14%	0.95%¹	0.84%	0.71%	0.77%	+92 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	13.61%	11.31%	11.73%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.12%	3.14%	3.25%	3.45%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	75.75%	74.93%	72.40%	68.61%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.21%	2.20%	2.14%	2.12%	n/a
Growth
Asset Growth (YoY)	21.91%	18.26%	9.49%	0.31%	-3.13%	4.18%	2.80%	2.83%	+252 bps
Loan Growth (YoY)	25.11%	30.51%	26.11%	24.20%	19.95%	12.03%	7.12%	2.53%	-2,167 bps
Deposit Growth (YoY)	27.29%	25.67%	19.85%	27.65%	19.80%	21.09%	10.58%	-2.91%	-3,055 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.25%	0.48%	0.27%	0.27%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.36%	1.34%	1.40%	1.52%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	10.63%	10.50%	10.75%	11.61%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.34%	5.98%	6.52%	6.65%	n/a
Liquidity & Funding
Loans / Deposits	64.04%	67.18%	65.16%	63.28%	64.12%	62.16%	63.12%	66.82%	+354 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	11.59%	11.42%	11.82%	8.69%	+869 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a