David Sparks May 11 06

Te r r or is m Tom or r ow: Th e Im p a c t on You , you r Mon e y, a n d you r Life P r e s e n t e d b y: D a vid E . S p a r k s

Ma y 1 1 , 2 0 0 6

Suite 104 ● 2 West Liberty Blvd. ● Malvern, PA 19355 610.280.7100 ● www.fpbk.com

Le a d in g B a n k in g O r ga n iza t ion s in P h ila d e lp h ia a n d Ne w J e r s e y in 1 9 8 0 • • • • • • • •

First Pennsylvania Bank Girard Bank Fidelity Bank Philadelphia Nat’l Bank Provident Nat’l Bank Central Penn Nat’l Bank Industrial Valley Bank Continental Bank

May 11, 2006

• • • • • • •

Meridian Bank PSFS Western Savings Bank Midlantic Banks Inc First Fidelity Bank Summit Howard Savings Bank

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C om m e r c ia l B a n k s a n d Th r ift s In 1975: 14,384 901 March 31, 2006:

7,500 1,300 161 93

Banks in the US Banks in PA Banks in the US Thrifts in the US Banks in PA Thrifts in PA

Total De Novo Bank charters since 1995: Total De Novo Thrift charters since 1995: Source: FDIC

May 11, 2006

1,364 131 1,495 3

La r ge s t B a n k in g In s t it u t ion s in t h e U S on D e c e m b e r 3 1 , 2 0 0 5 TOTAL ASSETS ($ billions)

Source: FDIC

CITIGROUP

1,494

BANK OF AMERICA

1,354

J.P. MORGAN

1,199

WACHOVIA

521

WELLS FARGO

482

May 11, 2006

4

Le a d in g B a n k in g O r ga n iza t ion s in P h ila d e lp h ia a n d Ne w J e r s e y in 1 9 8 0 • • • • • • • •

First Pennsylvania Bank Girard Bank Fidelity Bank Philadelphia Nat’l Bank Provident Nat’l Bank Central Penn Nat’l Bank Industrial Valley Bank Continental Bank

May 11, 2006

• • • • • • •

Meridian Bank PSFS Western Savings Bank Midlantic Banks Inc First Fidelity Bank Summit Howard Savings Bank

5

S e le c t e d S m a lle r B a n k s O p e r a t in g in t h e Ph ila d e lp h ia / Ne w J e r s e y Ma r k e t p la c e in 1 9 8 0 TOTAL ASSETS ($ millions)

1980

2005

1,594 447

2,389 12,407

Susquehanna

254

7,466

Univest Corp.

216

1,769

National Penn

181

4,601

Ephrata Nat’l Bank

98

578

Bryn Mawr Bank

83

727

First Chester County Corp.

81

845

Harleysville Nat’l

78

3,117

Downingtown Nat’l Bank

65

474

Commerce Bank, NA

61

34,737

Harleysville Savings (1981)

50

767

Royal Bank

16

1,279

Beneficial Savings Bank Fulton Financial

Source: Danielson Associates

May 11, 2006

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Ne w B a n k s C h a r t e r e d in S ou t h e a s t e r n P A a n d Ne w J e r s e y 2 0 0 0 -2 0 0 5

Year 2005

Name First Resource First Priority Valley Green Continental (thrift)

Location Exton Malvern Philadephia Plymouth Meeting

2004

Penn Liberty Bucks County Meridian

Wayne Doyelstown Berwyn

2003

Affinity Berkshire Liberty Bell

Wyomissing (Reading) Wyomissing (Reading) Cherry Hill, NJ

2001

Embassy Bank Earthstar Inter State Net First Cornerstone May 11, 2006

Bethlehem Southampton Cherry Hill King of Prussia 7

Source: Danielson Associates

Ne w B a n k s C h a r t e r e d Na t ion wid e 2 0 0 0 -2 0 0 5

Total De Novo Banking Charters

2000-2005(1)

811

Total De Novo Savings Institutions

2000-2005(1)

78

Total New Charters

FDIC Insured Branches – 50 States & DC(2)

(1) (2)

Source: American Bankers Association Source: FDIC

May 11, 2006

889

2004:

82,387

2005:

84,082

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