Lackawanna Diversified

Eynon, PA · Charter 22741

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.

Eynon, PA · Charter 22741

Q4 1998

$828KAssets

$600KLoans

$745KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.22%+1,502 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	3.17%	3.93%	-12.24%	-11.80%	2.01%	2.43%	4.25%	3.22%	+1,502 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	-20.90%	-30.18%	-43.73%	-42.53%	-32.54%	-26.03%	+415 bps
Loan Growth (YoY)	n/a	n/a	-34.77%	-49.48%	-54.55%	-59.17%	-9.59%	2.99%	+5,246 bps
Share Growth (YoY)	n/a	n/a	-16.64%	-18.14%	-46.55%	-39.04%	-36.78%	-35.72%	-1,757 bps
Asset Quality
Delinquent Loans / Loans	2.34%	20.20%	22.39%	17.96%	9.17%	9.51%	5.29%	14.14%	-383 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	1.43%	1.51%	3.04%	2.99%	2.73%	1.84%	1.26%	1.62%	-137 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	95.77%	106.19%	54.75%	50.32%	81.45%	71.12%	78.29%	80.61%	+3,030 bps
Liquid Assets / Assets	11.69%	3.88%	13.51%	31.15%	5.43%	18.68%	25.72%	23.75%	-740 bps