Stratevest Group, N.A., The

Burlington, VT · Cert 34128

FDIC

Q4 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: Q4 2001, the quarter ended December 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.

Burlington, VT · Cert 34128

FDIC

Q4 2001

$36.2MAssets

n/aLoans

n/aDeposits

$15.9MEquity

Return on Assets (YTD, annualized)

2.71%-139 bps YoY

Net Interest Margin (YTD, annualized)

-3.72%

Efficiency Ratio (YTD, annualized)

93.58%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	4.10%	2.50%	2.73%	2.44%	2.71%	-139 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	-4.78%	-4.54%	-4.03%	-3.72%	n/a
Efficiency Ratio	n/a	94.20%	93.62%	94.20%	93.58%	n/a
Non-Interest Burden	n/a	-9.27%	-9.61%	-8.31%	-8.52%	n/a
Growth
Asset Growth (YoY)	5.43%	2.03%	-8.41%	-4.27%	-8.66%	-1,409 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	-100.00%	-100.00%	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	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
Total Risk-Based Capital	n/a	-184.76%	-156.00%	-153.70%	-116.43%	n/a
Equity / Assets	n/a	39.81%	41.13%	42.45%	43.74%	n/a
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a