E.A.N.C.

Easton, PA · Charter 20359

Q4 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: Q4 1999, the quarter ended December 31, 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.

Easton, PA · Charter 20359

Q4 1999

$53KAssets

$10KLoans

$52KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-7.83%-1,092 bps YoY

Net Interest Margin (YTD, annualized)

2.83%

Efficiency Ratio (YTD, annualized)

230%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.09%	-15.23%	-19.85%	-15.23%	-7.83%	-1,092 bps
Return on Equity	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	2.83%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	230%	n/a	n/a
Growth
Asset Growth (YoY)	-10.04%	-36.46%	-49.70%	-28.62%	-42.94%	-3,290 bps
Loan Growth (YoY)	-45.81%	-44.42%	-21.69%	-30.24%	-0.07%	+4,574 bps
Share Growth (YoY)	-14.86%	-36.91%	-46.04%	-27.95%	-31.67%	-1,680 bps
Asset Quality
Delinquent Loans / Loans	36.76%	54.60%	41.78%	54.60%	59.71%	+2,295 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	28.08%	37.69%	27.85%	37.69%	32.59%	+451 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	12.63%	10.90%	16.33%	10.90%	18.46%	+584 bps
Liquid Assets / Assets	80.79%	86.45%	89.20%	86.45%	66.28%	-1,451 bps