National Bank of Sussex County, The

Branchville, NJ · Cert 6315

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.

Branchville, NJ · Cert 6315

FDIC

Q1 2001

$329.8MAssets

$156.6MLoans

$286.6MDeposits

$23.7MEquity

Loan mix

Deposit mix

Earnings: ROA of 1.29%, down 9 bps year over year; NIM at 3.71%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.18%.
Funding: loans stand at 54.63% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.29%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.71%

n/a

Efficiency Ratio (YTD, annualized)

58.88%

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	0.82%	0.51%	0.63%	1.38%	1.23%	1.24%	1.32%	1.29%	-9 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	3.71%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	58.88%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.80%	n/a	n/a
Growth
Asset Growth (YoY)	7.96%	8.42%	7.46%	7.19%	8.08%	9.34%	15.56%	15.19%	+800 bps
Loan Growth (YoY)	4.46%	2.90%	3.19%	2.01%	2.36%	4.34%	6.71%	13.74%	+1,173 bps
Deposit Growth (YoY)	10.82%	10.94%	8.00%	9.08%	10.21%	10.96%	14.48%	14.72%	+565 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	-0.18%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.70%	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	13.87%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.20%	n/a	n/a
Liquidity & Funding
Loans / Deposits	58.47%	57.89%	57.58%	55.09%	54.30%	54.44%	53.67%	54.63%	-47 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.11%	+811 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a