Uto Phila

Philadelphia, PA · Charter 13211

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Philadelphia, PA · Charter 13211

Q4 1998

$476KAssets

$240KLoans

$403KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.37%-246 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.09%	1.96%	1.09%	1.09%	1.38%	0.25%	-1.54%	-1.37%	-246 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-19.79%	-15.21%	-21.91%	-23.57%	-18.97%	-18.80%	-358 bps
Loan Growth (YoY)	n/a	n/a	-6.20%	28.76%	25.47%	21.97%	3.89%	-41.22%	-6,998 bps
Share Growth (YoY)	n/a	n/a	-22.52%	-16.41%	-23.39%	-25.06%	-19.97%	-19.72%	-331 bps
Asset Quality
Delinquent Loans / Loans	3.24%	3.60%	7.20%	4.08%	2.52%	3.84%	8.29%	13.24%	+917 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	3.72%	4.21%	2.83%	1.93%	1.50%	1.75%	2.08%	2.50%	+58 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	56.54%	50.31%	55.07%	81.37%	92.60%	81.89%	71.49%	59.57%	-2,179 bps
Liquid Assets / Assets	30.46%	36.09%	33.28%	17.25%	14.38%	21.43%	30.90%	39.50%	+2,225 bps