Epak Atlantic

Sinking Spring, PA · Charter 9001

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.

Sinking Spring, PA · Charter 9001

Q2 2000

$5.6MAssets

$1.2MLoans

$3.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.04%-411 bps YoY

Net Interest Margin (YTD, annualized)

3.35%

Efficiency Ratio (YTD, annualized)

66.99%

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	5.54%	5.57%	5.48%	5.15%	5.18%	4.71%	1.57%	1.04%	-411 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	3.08%	3.35%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	52.22%	66.99%	n/a
Growth
Asset Growth (YoY)	6.33%	7.75%	7.02%	6.02%	4.47%	2.31%	1.24%	-1.75%	-777 bps
Loan Growth (YoY)	5.59%	0.64%	-7.96%	-10.62%	-19.45%	-28.50%	-29.11%	-28.10%	-1,748 bps
Share Growth (YoY)	2.17%	4.24%	3.59%	2.63%	0.54%	-1.86%	-3.09%	-6.98%	-961 bps
Asset Quality
Delinquent Loans / Loans	2.37%	1.43%	1.82%	1.94%	1.43%	2.27%	1.87%	4.82%	+288 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	1.15%	1.28%	1.48%	1.71%	1.48%	0.89%	1.18%	1.50%	-21 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	45.93%	45.14%	42.33%	39.76%	36.79%	32.89%	30.97%	30.73%	-903 bps
Liquid Assets / Assets	13.03%	14.38%	17.06%	32.45%	15.66%	24.53%	55.18%	16.66%	-1,580 bps