Saunders House Employees

Wynnewood, PA · Charter 23954

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.

Wynnewood, PA · Charter 23954

Q4 1998

$71KAssets

$37KLoans

$58KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.48%-165 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	6.83%	5.42%	6.63%	4.14%	6.03%	4.64%	1.73%	2.48%	-165 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	10.40%	-11.53%	-17.78%	-15.02%	-4.34%	25.22%	+3,675 bps
Loan Growth (YoY)	n/a	n/a	5.13%	-4.00%	12.42%	12.24%	10.17%	2.01%	+601 bps
Share Growth (YoY)	n/a	n/a	1.78%	-20.61%	-23.94%	-20.71%	-5.64%	28.29%	+4,890 bps
Asset Quality
Delinquent Loans / Loans	1.58%	2.26%	2.76%	1.49%	1.16%	2.11%	0.74%	1.00%	-50 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	1.88%	1.68%	3.10%	5.90%	5.59%	5.01%	5.76%	4.90%	-100 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	52.91%	61.23%	56.84%	79.33%	78.20%	86.68%	66.35%	63.08%	-1,625 bps
Liquid Assets / Assets	40.27%	34.67%	34.45%	18.98%	18.60%	18.56%	16.46%	15.94%	-304 bps