Haddon Craftsman Employees

Scranton, PA · Charter 18345

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.

Scranton, PA · Charter 18345

Q4 1998

$939KAssets

$447KLoans

$867KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.27%-140 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	2.77%	2.79%	3.21%	3.67%	1.44%	-1.46%	2.00%	2.27%	-140 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	-23.39%	-30.60%	-30.07%	-37.44%	-43.91%	-36.08%	-548 bps
Loan Growth (YoY)	n/a	n/a	4.48%	2.26%	-22.01%	-31.71%	-37.01%	-44.63%	-4,690 bps
Share Growth (YoY)	n/a	n/a	-24.14%	-32.75%	-31.81%	-36.75%	-44.18%	-35.02%	-227 bps
Asset Quality
Delinquent Loans / Loans	6.43%	5.77%	5.70%	4.98%	7.92%	11.14%	4.94%	8.56%	+358 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	4.46%	4.54%	3.54%	2.84%	4.12%	10.52%	4.61%	3.66%	+82 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	48.39%	54.48%	50.21%	60.47%	55.35%	58.83%	56.67%	51.53%	-894 bps
Liquid Assets / Assets	39.18%	23.98%	24.52%	16.03%	40.51%	36.62%	30.66%	48.70%	+3,268 bps