First Liberty Bank & Trust

Jermyn, PA · Cert 7537

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.

Jermyn, PA · Cert 7537

FDIC

Q1 2001

$643.5MAssets

$420.7MLoans

$514.9MDeposits

$64.3MEquity

Loan mix

Deposit mix

Earnings: ROA of 0.81%, down 4 bps year over year; NIM at 2.94%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 81.71% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

0.81%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.94%

n/a

Efficiency Ratio (YTD, annualized)

68.69%

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	0.98%	1.01%	0.95%	0.85%	0.80%	0.78%	0.72%	0.81%	-4 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	2.94%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	68.69%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.90%	n/a	n/a
Growth
Asset Growth (YoY)	87.44%	83.97%	85.74%	1.80%	1.79%	0.48%	-3.88%	1.00%	-79 bps
Loan Growth (YoY)	82.02%	92.28%	86.63%	12.72%	12.30%	5.40%	0.07%	0.61%	-1,211 bps
Deposit Growth (YoY)	72.02%	61.85%	53.28%	-2.70%	-7.72%	-2.39%	1.32%	3.36%	+606 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	0.00%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.31%	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	16.97%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.99%	n/a	n/a
Liquidity & Funding
Loans / Deposits	73.13%	79.94%	84.90%	83.95%	89.01%	86.32%	83.85%	81.71%	-224 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.96%	+496 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a