Omni Central

Philadelphia, PA · Charter 24461

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.

Philadelphia, PA · Charter 24461

Q2 1999

$729KAssets

$602KLoans

$738KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-14.80%-1,733 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.56%	3.59%	2.40%	2.53%	2.09%	0.59%	-5.78%	-14.80%	-1,733 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	1.12%	0.75%	-0.09%	-3.95%	-10.98%	-19.70%	-27.09%	-2,701 bps
Loan Growth (YoY)	n/a	2.79%	3.47%	17.81%	10.52%	9.23%	0.34%	-21.21%	-3,902 bps
Share Growth (YoY)	n/a	0.20%	0.28%	-0.36%	-4.83%	-11.30%	-16.21%	-17.05%	-1,669 bps
Asset Quality
Delinquent Loans / Loans	3.98%	5.05%	8.85%	9.95%	5.19%	5.98%	6.89%	6.78%	-317 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	2.81%	2.96%	5.67%	2.59%	5.39%	3.08%	8.69%	10.45%	+785 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	77.23%	73.28%	76.25%	85.98%	89.69%	90.24%	91.32%	81.67%	-431 bps
Liquid Assets / Assets	30.28%	34.18%	32.36%	23.03%	22.36%	19.17%	18.35%	0.00%	-2,303 bps