Kaiser Erie

Erie, PA · Charter 7757

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.

Erie, PA · Charter 7757

Q2 2000

$2.4MAssets

$1.3MLoans

$2.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.77%-219 bps YoY

Net Interest Margin (YTD, annualized)

4.57%

Efficiency Ratio (YTD, annualized)

85.01%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.92%	2.74%	2.81%	2.96%	2.72%	2.32%	-0.29%	0.77%	-219 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	4.28%	4.57%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	103.90%	85.01%	n/a
Growth
Asset Growth (YoY)	-23.55%	-18.54%	-15.13%	-17.95%	-5.83%	-17.49%	-18.91%	-12.34%	+561 bps
Loan Growth (YoY)	-27.89%	-36.11%	-37.11%	-26.06%	-15.49%	-6.31%	8.83%	22.02%	+4,808 bps
Share Growth (YoY)	-23.38%	-17.63%	-15.10%	-19.87%	-7.09%	-19.31%	-21.08%	-13.71%	+615 bps
Asset Quality
Delinquent Loans / Loans	9.50%	4.92%	5.31%	5.02%	12.82%	3.12%	3.32%	2.70%	-232 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	4.97%	2.87%	3.32%	3.48%	2.70%	2.17%	2.62%	2.10%	-139 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	52.20%	42.57%	40.56%	45.11%	47.48%	49.43%	55.93%	63.79%	+1,868 bps
Liquid Assets / Assets	37.10%	27.81%	35.28%	35.92%	50.40%	46.99%	30.37%	31.19%	-473 bps