Wayne National Bank

Jesup, GA · Cert 33147

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Jesup, GA · Cert 33147

FDIC

Q1 2001

$57.6MAssets

$47.6MLoans

$45.5MDeposits

$8.2MEquity

Loan mix

Deposit mix

Earnings: ROA of 2.68%, up 21 bps year over year; NIM at 5.70%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.80%.
Funding: loans stand at 104.55% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

2.68%+21 bps YoY

Net Interest Margin (YTD, annualized)

5.70%

n/a

Efficiency Ratio (YTD, annualized)

44.83%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	2.31%	2.38%	2.36%	2.47%	0.43%	1.19%	1.59%	2.68%	+21 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	n/a	5.70%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	44.83%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.00%	n/a	n/a
Growth
Asset Growth (YoY)	14.60%	8.12%	-6.05%	12.08%	14.58%	15.73%	13.11%	5.85%	-623 bps
Loan Growth (YoY)	23.10%	14.70%	24.03%	21.40%	17.73%	21.22%	17.41%	13.58%	-782 bps
Deposit Growth (YoY)	7.82%	-1.09%	-15.53%	5.02%	11.25%	12.48%	9.34%	3.97%	-104 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	n/a	n/a	n/a	0.80%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.89%	n/a	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	n/a	n/a	n/a	19.39%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	14.19%	n/a	n/a
Liquidity & Funding
Loans / Deposits	93.23%	95.56%	94.39%	95.71%	98.66%	102.98%	101.36%	104.55%	+884 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.04%	+4 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a