S V C Employees

Washington, PA · Charter 22008

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.

Washington, PA · Charter 22008

Q4 1998

$238KAssets

$85KLoans

$178KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.57%+7 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	3.01%	3.41%	2.86%	3.51%	2.69%	3.61%	2.73%	3.57%	+7 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	6.81%	7.73%	7.96%	-7.77%	0.39%	-16.96%	-2,469 bps
Loan Growth (YoY)	n/a	n/a	-1.41%	15.05%	-8.93%	-4.00%	4.40%	-28.39%	-4,344 bps
Share Growth (YoY)	n/a	n/a	5.32%	6.43%	7.24%	-11.87%	-1.55%	-22.66%	-2,909 bps
Asset Quality
Delinquent Loans / Loans	1.90%	0.00%	3.14%	2.06%	0.00%	3.12%	7.83%	0.00%	-206 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	2.43%	1.89%	2.82%	3.56%	2.98%	4.50%	6.34%	0.59%	-296 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	44.36%	46.21%	39.76%	51.43%	37.68%	50.34%	42.16%	47.62%	-381 bps
Liquid Assets / Assets	58.11%	48.39%	60.65%	49.81%	42.17%	55.92%	49.23%	55.09%	+528 bps