Prea

Harrisburg, PA · Charter 62371

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.

Harrisburg, PA · Charter 62371

Q4 1998

$1.8MAssets

$1.4MLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.47%-320 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	2.64%	2.63%	2.68%	2.72%	3.90%	4.06%	0.03%	-0.47%	-320 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	-19.23%	-17.94%	-16.41%	-14.02%	-8.80%	-10.08%	+786 bps
Loan Growth (YoY)	n/a	n/a	-12.54%	-9.47%	-11.79%	-9.00%	-16.70%	-20.70%	-1,123 bps
Share Growth (YoY)	n/a	n/a	-20.76%	-19.60%	-18.44%	-16.63%	-11.78%	-12.16%	+743 bps
Asset Quality
Delinquent Loans / Loans	0.60%	0.85%	1.32%	2.05%	1.01%	1.29%	3.79%	4.98%	+293 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	1.27%	1.44%	1.40%	1.40%	0.65%	0.71%	0.76%	1.21%	-19 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	90.08%	85.93%	87.18%	96.30%	97.42%	93.79%	82.32%	86.94%	-936 bps
Liquid Assets / Assets	15.66%	17.64%	15.97%	11.04%	10.65%	16.12%	24.22%	0.86%	-1,018 bps