Concora

Philadelphia, PA · Charter 2795

Q4 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: Q4 1999, the quarter ended December 31, 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 2795

Q4 1999

$6.1MAssets

$4.3MLoans

$5.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.01%-405 bps YoY

Net Interest Margin (YTD, annualized)

4.79%

n/a

Efficiency Ratio (YTD, annualized)

87.04%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.13%	4.30%	3.83%	4.04%	3.49%	2.59%	3.93%	-0.01%	-405 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	4.79%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	87.04%	n/a	n/a
Growth
Asset Growth (YoY)	1.83%	1.54%	5.86%	-1.13%	-2.11%	2.90%	-5.84%	-20.08%	-1,894 bps
Loan Growth (YoY)	21.61%	-2.00%	-8.82%	-8.61%	3.09%	7.17%	6.66%	-2.42%	+619 bps
Share Growth (YoY)	1.01%	0.68%	5.42%	-1.92%	-2.83%	3.73%	-5.73%	-20.89%	-1,897 bps
Asset Quality
Delinquent Loans / Loans	2.39%	4.72%	4.27%	3.75%	1.10%	1.13%	1.58%	1.75%	-200 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	2.93%	3.23%	2.94%	1.42%	1.82%	2.45%	2.38%	1.70%	+28 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	62.84%	61.38%	58.87%	62.51%	66.67%	63.42%	66.60%	77.11%	+1,460 bps
Liquid Assets / Assets	11.79%	16.98%	33.27%	0.00%	0.00%	38.11%	35.59%	10.12%	+1,012 bps