Reichhold Employees

Bridgeville, PA · Charter 4704

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.

Bridgeville, PA · Charter 4704

Q4 1999

$1.7MAssets

$931KLoans

$1.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.35%-378 bps YoY

Net Interest Margin (YTD, annualized)

2.77%

Efficiency Ratio (YTD, annualized)

87.41%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.13%	4.53%	4.13%	3.81%	0.35%	-378 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	2.77%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	87.41%	n/a	n/a
Growth
Asset Growth (YoY)	4.89%	4.04%	3.83%	6.32%	8.17%	+328 bps
Loan Growth (YoY)	1.88%	-2.34%	-1.90%	6.42%	7.96%	+608 bps
Share Growth (YoY)	4.92%	3.55%	3.35%	6.44%	8.29%	+337 bps
Asset Quality
Delinquent Loans / Loans	0.82%	0.56%	0.32%	0.00%	0.36%	-47 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.82%	0.69%	0.65%	0.61%	0.61%	-21 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	60.71%	56.58%	59.99%	59.77%	60.53%	-18 bps
Liquid Assets / Assets	32.68%	36.99%	30.46%	33.54%	38.12%	+544 bps