Scranton City Employees

Scranton, PA · Charter 20983

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.

Scranton, PA · Charter 20983

Q2 1999

$323KAssets

$153KLoans

$275KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.63%-264 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	4.42%	3.68%	2.77%	4.27%	2.62%	3.65%	3.59%	1.63%	-264 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	-5.75%	-11.89%	-10.43%	-10.85%	-6.92%	-5.60%	-7.61%	+281 bps
Loan Growth (YoY)	n/a	22.82%	-7.67%	-24.24%	-24.95%	-33.43%	-22.99%	-20.65%	+359 bps
Share Growth (YoY)	n/a	-10.64%	-15.68%	-14.47%	-12.96%	-8.71%	-8.42%	-7.68%	+679 bps
Asset Quality
Delinquent Loans / Loans	4.70%	8.32%	9.31%	7.44%	5.63%	6.38%	6.63%	6.50%	-95 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	3.15%	4.05%	6.56%	4.59%	4.11%	4.46%	4.68%	3.95%	-64 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	70.33%	84.75%	73.91%	64.74%	60.65%	61.79%	62.15%	55.65%	-910 bps
Liquid Assets / Assets	26.87%	18.01%	31.18%	34.39%	39.82%	36.22%	42.67%	35.36%	+97 bps