Cyanamid Employees

Pace, FL · Charter 67306

Q2 2000

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: Q2 2000, the quarter ended June 30, 2000, 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.

Pace, FL · Charter 67306

Q2 2000

$8.6MAssets

$4.6MLoans

$7.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.83%-274 bps YoY

Net Interest Margin (YTD, annualized)

3.96%

Efficiency Ratio (YTD, annualized)

80.30%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.17%	4.16%	3.74%	3.57%	0.39%	0.45%	0.57%	0.83%	-274 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	3.38%	3.54%	3.72%	3.96%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	89.29%	88.11%	85.46%	80.30%	n/a
Growth
Asset Growth (YoY)	0.32%	1.64%	-0.04%	4.93%	-0.42%	-4.70%	-0.53%	-4.23%	-916 bps
Loan Growth (YoY)	-2.93%	-7.05%	-7.93%	-11.14%	-13.08%	-7.10%	-3.87%	-1.24%	+991 bps
Share Growth (YoY)	-0.46%	1.01%	-0.73%	5.07%	-1.13%	-5.66%	-1.06%	-5.43%	-1,049 bps
Asset Quality
Delinquent Loans / Loans	0.19%	0.45%	0.01%	0.40%	0.14%	0.19%	0.25%	0.00%	-40 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.26%	0.27%	0.19%	0.20%	0.20%	0.46%	0.37%	0.25%	+4 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	69.01%	65.27%	64.96%	60.37%	60.67%	64.27%	63.11%	63.04%	+267 bps
Liquid Assets / Assets	32.52%	35.87%	35.79%	39.25%	36.87%	35.56%	32.79%	38.52%	-72 bps