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Letter portraitLegal landscapeQuarterYTD

Pocono Community Bank

Stroudsburg, PA · Cert 34509

FDIC

Q3 2007

$127.4MAssets
$105.7MLoans
$107.9MDeposits
$15.3MEquity
Loan mix
91%RE $85.7M9%C&I $8.1M0%Consumer $0.0MQ3 2006Q3 2007
Deposit mix
86%Interest-bearing $92.4M14%Noninterest $15.5MQ3 2006Q3 2007

NIM

5.00%Q3 ’055.47%Q3 ’065.84%Q3 ’07-3%-8%

Non-interest income vs. expense

2.11%Q3 ’052.42%Q3 ’062.57%Q3 ’07+13%+7%

Executive Summary

  • Earnings: ROA of 0.57%, down 29 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 97.93% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.57%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-25 bps YoY

Efficiency Ratio (YTD, annualized)

74.54%+878 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.86%0.77%0.55%0.55%0.57%-29 bps
Return on Equity8.17%7.33%5.14%5.09%5.17%-300 bps
Net Interest Margin3.28%3.19%2.97%3.04%3.03%-25 bps
Efficiency Ratio65.76%68.68%75.14%74.79%74.54%+878 bps
Non-Interest Burden2.02%2.07%2.13%2.17%2.15%+14 bps
Growth
Asset Growth (YoY)-4.34%5.24%5.57%6.00%-0.86%+348 bps
Loan Growth (YoY)9.60%6.61%5.01%4.35%4.65%-495 bps
Deposit Growth (YoY)-5.18%4.98%6.95%5.46%-2.12%+306 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.01%0 bps
Allowance / Loans1.22%1.23%1.23%1.22%1.21%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.61%15.30%15.57%15.87%17.42%+81 bps
Equity / Assets10.93%10.36%10.93%10.92%11.99%+106 bps
Liquidity & Funding
Loans / Deposits91.59%88.20%88.75%88.42%97.93%+634 bps
Liquid Assets / Assets0.22%4.33%0.15%0.11%0.05%-17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a