Omega Bank, National Association

State College, PA · Cert 7575

FDIC

Q3 2001

$628.5MAssets

$457.7MLoans

$519.8MDeposits

$78.2MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.45%, down 13 bps year over year; NIM at 4.06%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
Funding: loans stand at 88.06% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

1.45%-13 bps YoY

Net Interest Margin (quarter, annualized)

4.06%

Efficiency Ratio (quarter, annualized)

61.07%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.63%	1.51%	1.51%	1.58%	1.58%	1.54%	1.50%	1.45%	-13 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	12.36%	11.79%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.25%	4.14%	4.06%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	60.30%	61.04%	61.07%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.12%	2.10%	2.07%	n/a
Growth
Asset Growth (YoY)	-0.24%	0.64%	1.61%	3.61%	5.78%	6.75%	4.28%	3.91%	+30 bps
Loan Growth (YoY)	-5.19%	-4.94%	5.44%	8.07%	7.69%	9.53%	7.89%	4.07%	-401 bps
Deposit Growth (YoY)	-2.60%	0.04%	1.17%	1.08%	4.98%	5.01%	4.95%	5.54%	+446 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	0.04%	0.17%	0.06%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.18%	1.13%	1.14%	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	19.48%	18.94%	19.42%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	12.11%	12.10%	12.45%	n/a
Liquidity & Funding
Loans / Deposits	85.12%	84.66%	86.00%	89.30%	87.32%	88.31%	88.41%	88.06%	-124 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.23%	0.01%	0.01%	+1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a