Embacee

Wellsboro, PA · Charter 17610

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.

Wellsboro, PA · Charter 17610

Q4 1998

$247KAssets

$165KLoans

$174KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.78%+132 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	2.27%	1.66%	-1.37%	0.46%	0.24%	-2.84%	1.62%	1.78%	+132 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	-12.18%	-15.80%	-24.55%	-27.29%	-41.24%	-43.65%	-2,785 bps
Loan Growth (YoY)	n/a	n/a	-18.87%	-23.33%	-31.47%	-26.64%	-41.24%	-50.70%	-2,737 bps
Share Growth (YoY)	n/a	n/a	-11.69%	-16.12%	-26.20%	-26.95%	-45.77%	-49.38%	-3,326 bps
Asset Quality
Delinquent Loans / Loans	3.42%	12.07%	9.81%	15.58%	23.61%	32.48%	27.20%	32.69%	+1,712 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	1.19%	1.37%	4.08%	3.08%	6.70%	12.98%	15.72%	8.41%	+533 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	108.78%	91.25%	92.78%	97.14%	101.02%	91.64%	100.53%	94.61%	-253 bps
Liquid Assets / Assets	2.47%	27.22%	26.03%	25.14%	21.73%	1.91%	1.94%	0.87%	-2,427 bps