Dauco

Mechanicsburg, PA · Charter 700

Q4 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: Q4 2000, the quarter ended December 31, 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.

Mechanicsburg, PA · Charter 700

Q4 2000

$2.4MAssets

$1.6MLoans

$1.7MShares

$678KNet Worth

Return on Assets (YTD, annualized)

0.03%-513 bps YoY

Net Interest Margin (YTD, annualized)

3.99%

Efficiency Ratio (YTD, annualized)

99.15%

Net Worth / Assets

28.78%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.70%	5.47%	4.69%	5.16%	4.19%	1.57%	0.30%	0.03%	-513 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.12%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.36%	3.90%	3.99%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	64.16%	92.25%	99.15%	n/a
Growth
Asset Growth (YoY)	3.07%	-0.54%	0.25%	1.39%	2.18%	0.18%	-1.07%	-0.95%	-234 bps
Loan Growth (YoY)	3.26%	1.68%	5.51%	2.65%	0.77%	2.71%	-4.34%	-16.06%	-1,872 bps
Share Growth (YoY)	-1.55%	-6.38%	-5.02%	-3.37%	-1.63%	-3.99%	-4.86%	-3.57%	-20 bps
Asset Quality
Delinquent Loans / Loans	2.04%	0.52%	1.50%	2.22%	2.15%	1.41%	4.04%	8.08%	+586 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	0.62%	0.63%	0.61%	0.66%	0.69%	0.68%	0.71%	0.79%	+13 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	28.78%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	28.78%	n/a	n/a
Liquidity & Funding
Loans / Shares	97.86%	103.80%	102.26%	112.69%	100.26%	111.04%	102.82%	98.08%	-1,460 bps
Liquid Assets / Assets	22.67%	20.25%	20.11%	16.81%	23.22%	16.89%	21.31%	29.21%	+1,240 bps