Stanreco

York, PA · Charter 9240

Q4 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: Q4 2000, the quarter ended December 31, 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.

York, PA · Charter 9240

Q4 2000

$8.7MAssets

$4.2MLoans

$7.6MShares

$1.1MNet Worth

Return on Assets (YTD, annualized)

0.58%-317 bps YoY

Net Interest Margin (YTD, annualized)

3.70%

Efficiency Ratio (YTD, annualized)

85.49%

Net Worth / Assets

12.67%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.07%	4.08%	3.80%	3.75%	3.35%	0.31%	0.62%	0.58%	-317 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	4.55%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.31%	3.54%	3.70%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	87.93%	83.45%	85.49%	n/a
Growth
Asset Growth (YoY)	6.08%	2.56%	6.54%	13.39%	22.39%	21.01%	17.40%	10.38%	-301 bps
Loan Growth (YoY)	-14.26%	-12.08%	-9.81%	5.16%	9.83%	6.24%	15.01%	10.07%	+491 bps
Share Growth (YoY)	4.39%	0.61%	5.43%	13.63%	23.86%	23.05%	18.86%	10.81%	-282 bps
Asset Quality
Delinquent Loans / Loans	0.06%	0.00%	0.00%	0.11%	0.11%	0.00%	0.00%	0.96%	+86 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	0.29%	0.22%	0.24%	0.25%	0.53%	0.43%	0.39%	0.38%	+14 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	12.67%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	12.67%	n/a	n/a
Liquidity & Funding
Loans / Shares	54.08%	56.41%	52.36%	55.83%	47.95%	48.70%	50.67%	55.46%	-37 bps
Liquid Assets / Assets	27.09%	23.96%	27.25%	26.70%	27.26%	23.29%	12.87%	22.60%	-410 bps