MO-Mach

Hazleton, PA · Charter 16965

Q2 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: Q2 1999, the quarter ended June 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.

Hazleton, PA · Charter 16965

Q2 1999

$2.4MAssets

$1.4MLoans

$2.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.26%0 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.69%	4.22%	4.30%	3.26%	4.09%	3.60%	3.65%	3.26%	0 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	16.43%	7.91%	9.72%	-4.38%	-4.21%	0.59%	6.35%	-338 bps
Loan Growth (YoY)	n/a	93.64%	64.73%	22.20%	5.16%	-9.09%	-18.41%	-21.78%	-4,399 bps
Share Growth (YoY)	n/a	16.24%	5.47%	7.50%	-7.49%	-6.99%	-1.84%	4.66%	-284 bps
Asset Quality
Delinquent Loans / Loans	0.16%	0.20%	1.88%	0.68%	0.11%	0.19%	0.26%	0.76%	+8 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	0.55%	0.56%	0.62%	0.95%	0.58%	0.85%	0.69%	0.58%	-37 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	77.82%	80.10%	89.78%	84.56%	88.46%	78.28%	74.63%	63.20%	-2,136 bps
Liquid Assets / Assets	23.61%	20.90%	15.71%	20.67%	18.05%	25.72%	27.24%	34.53%	+1,386 bps