National Group Employees

Frazer, PA · Charter 64374

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.

Frazer, PA · Charter 64374

Q2 1999

$3.9MAssets

$1.8MLoans

$3.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.91%-36 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.27%	4.14%	3.11%	3.27%	2.91%	-36 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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	0.52%	-10.79%	-11.65%	-8.15%	-8.80%	-933 bps
Loan Growth (YoY)	-10.89%	-24.20%	-28.65%	-33.30%	-36.30%	-2,540 bps
Share Growth (YoY)	-0.66%	-13.24%	-13.44%	-10.20%	-10.57%	-991 bps
Asset Quality
Delinquent Loans / Loans	2.99%	3.02%	1.86%	2.27%	2.15%	-84 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.82%	3.14%	3.70%	2.45%	2.41%	-42 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	73.40%	71.82%	58.15%	60.84%	52.28%	-2,112 bps
Liquid Assets / Assets	10.60%	23.79%	31.19%	10.13%	36.70%	+2,610 bps