Atlantic Employees

Newton Square, PA · Charter 1310

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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.

Newton Square, PA · Charter 1310

Q3 1999

$182.6MAssets

$156.2MLoans

$158.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.87%-313 bps YoY

Net Interest Margin (YTD, annualized)

3.89%

n/a

Efficiency Ratio (YTD, annualized)

77.45%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	4.09%	4.06%	3.95%	4.00%	4.01%	4.11%	4.06%	0.87%	-313 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	n/a	3.89%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	77.45%	n/a	n/a
Growth
Asset Growth (YoY)	14.69%	10.67%	11.04%	13.46%	14.30%	18.37%	15.83%	10.99%	-246 bps
Loan Growth (YoY)	17.24%	24.75%	30.70%	32.18%	20.34%	15.55%	11.48%	8.22%	-2,396 bps
Share Growth (YoY)	14.69%	10.80%	6.53%	8.44%	10.10%	13.22%	15.54%	10.15%	+172 bps
Asset Quality
Delinquent Loans / Loans	0.65%	0.77%	0.56%	0.46%	0.59%	0.53%	0.49%	0.39%	-7 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	0.59%	0.56%	0.51%	0.48%	0.49%	0.48%	0.46%	0.45%	-4 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	85.62%	89.05%	96.39%	100.28%	93.57%	90.89%	93.00%	98.52%	-176 bps
Liquid Assets / Assets	8.56%	5.83%	3.65%	3.78%	5.77%	6.64%	8.16%	3.88%	+10 bps