Community Banks, N.A.

Millersburg, PA · Cert 7616

FDIC

Q4 2001

$763.1MAssets

$455.8MLoans

$504.6MDeposits

$53.0MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 0.99%, down 20 bps year over year; NIM at 3.33%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.67%.
Funding: loans stand at 90.33% of deposits as of Q4 2001.

Return on Assets (quarter, annualized)

0.99%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.33%

Efficiency Ratio (quarter, annualized)

65.15%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.19%	1.19%	1.18%	1.18%	0.47%	1.06%	1.04%	0.99%	-20 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	14.55%	14.04%	13.70%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.47%	3.40%	3.23%	3.33%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	64.04%	60.44%	61.26%	65.15%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.01%	1.79%	1.70%	1.94%	n/a
Growth
Asset Growth (YoY)	10.30%	18.87%	17.30%	17.39%	18.88%	10.06%	10.97%	9.87%	-751 bps
Loan Growth (YoY)	11.30%	23.21%	20.78%	19.42%	20.44%	11.78%	11.20%	14.54%	-488 bps
Deposit Growth (YoY)	12.09%	13.61%	14.85%	13.90%	10.83%	9.13%	8.39%	6.07%	-783 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	0.10%	0.20%	1.53%	0.67%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.47%	1.54%	1.28%	1.27%	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	11.15%	10.95%	10.43%	10.11%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	7.27%	7.32%	7.49%	6.95%	n/a
Liquidity & Funding
Loans / Deposits	77.15%	81.93%	81.95%	83.64%	83.84%	83.92%	84.08%	90.33%	+669 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.05%	0.02%	0.08%	0.04%	+4 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a