U. R. S. Inc.

Plains, PA · Charter 20388

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.

Plains, PA · Charter 20388

Q2 1999

$245KAssets

$138KLoans

$179KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.84%-34 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	4.44%	0.95%	2.74%	4.18%	4.23%	3.97%	4.21%	3.84%	-34 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	-0.63%	-0.12%	-1.19%	-6.47%	-14.46%	-11.27%	-24.14%	-2,294 bps
Loan Growth (YoY)	n/a	19.95%	16.00%	9.48%	-6.23%	-20.96%	-9.81%	-18.30%	-2,778 bps
Share Growth (YoY)	n/a	-2.02%	-1.50%	-2.69%	-8.40%	-20.69%	-17.36%	-32.64%	-2,994 bps
Asset Quality
Delinquent Loans / Loans	6.57%	4.24%	2.25%	1.33%	2.53%	1.38%	0.00%	1.43%	+10 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	0.67%	4.31%	3.27%	3.42%	3.98%	4.39%	4.40%	4.85%	+143 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	58.63%	67.08%	65.24%	63.67%	60.02%	66.85%	71.20%	77.21%	+1,355 bps
Liquid Assets / Assets	46.53%	41.10%	41.55%	46.22%	50.32%	47.88%	44.94%	43.78%	-244 bps