Lycl Postal and Federal Employees

Williamsport, PA · Charter 12803

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.

Williamsport, PA · Charter 12803

Q2 2000

$6.1MAssets

$4.7MLoans

$5.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.25%-257 bps YoY

Net Interest Margin (YTD, annualized)

4.89%

Efficiency Ratio (YTD, annualized)

72.19%

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	4.07%	3.83%	4.09%	3.82%	3.89%	3.92%	1.29%	1.25%	-257 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	4.78%	4.89%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	72.13%	72.19%	n/a
Growth
Asset Growth (YoY)	5.37%	3.19%	2.07%	-0.01%	3.50%	6.30%	7.27%	7.47%	+748 bps
Loan Growth (YoY)	2.51%	-6.90%	1.90%	10.65%	14.37%	14.99%	13.49%	9.20%	-145 bps
Share Growth (YoY)	2.67%	-0.14%	-1.40%	-3.31%	0.42%	4.10%	5.14%	5.42%	+873 bps
Asset Quality
Delinquent Loans / Loans	0.72%	1.77%	2.02%	0.67%	1.89%	0.57%	1.64%	1.00%	+33 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	1.10%	1.10%	1.07%	1.01%	1.04%	0.91%	0.87%	0.79%	-22 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	80.67%	78.84%	83.31%	88.11%	91.88%	87.09%	89.93%	91.27%	+316 bps
Liquid Assets / Assets	19.07%	19.27%	15.59%	16.27%	13.99%	16.76%	7.11%	5.27%	-1,100 bps