Teamsters Local #491

Uniontown, PA · Charter 22981

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.

Uniontown, PA · Charter 22981

Q2 1999

$2.0MAssets

$1.3MLoans

$2.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.08%-411 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	6.19%	2.49%	1.37%	2.32%	2.08%	-411 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	61.36%	45.16%	9.85%	-1.44%	-5.61%	-6,696 bps
Loan Growth (YoY)	45.64%	27.37%	2.16%	-14.45%	-31.50%	-7,713 bps
Share Growth (YoY)	69.04%	65.07%	13.71%	3.29%	1.33%	-6,771 bps
Asset Quality
Delinquent Loans / Loans	14.50%	9.03%	13.83%	8.93%	7.51%	-699 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.61%	3.39%	5.45%	3.45%	9.23%	+562 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	96.27%	92.07%	85.83%	77.95%	65.08%	-3,119 bps
Liquid Assets / Assets	11.96%	13.94%	19.16%	24.54%	36.44%	+2,448 bps