E.U.P. Employees

Edinboro, PA · Charter 24459

Q2 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: Q2 1998, the quarter ended June 30, 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.

Edinboro, PA · Charter 24459

Q2 1998

$453KAssets

$232KLoans

$403KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.10%-179 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.02%	4.62%	4.22%	4.89%	4.09%	3.42%	3.92%	3.10%	-179 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	n/a	-4.11%	11.59%	25.43%	8.29%	16.42%	+2,053 bps
Loan Growth (YoY)	n/a	n/a	n/a	38.07%	26.63%	11.50%	-4.50%	-12.59%	-5,066 bps
Share Growth (YoY)	n/a	n/a	n/a	-6.88%	9.70%	25.92%	6.76%	16.66%	+2,354 bps
Asset Quality
Delinquent Loans / Loans	10.27%	6.64%	4.10%	7.24%	8.42%	6.64%	4.96%	4.69%	-255 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	2.53%	2.33%	0.92%	1.22%	1.44%	2.14%	1.56%	3.46%	+224 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	64.29%	69.38%	75.75%	76.85%	74.21%	61.43%	67.76%	57.58%	-1,927 bps
Liquid Assets / Assets	35.50%	34.30%	16.78%	22.32%	27.67%	37.67%	26.14%	31.99%	+967 bps