York Tracktown Employees

York, PA · Charter 65382

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.

York, PA · Charter 65382

Q2 1999

$23.7MAssets

$10.0MLoans

$20.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.35%-20 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	3.47%	3.53%	5.13%	3.55%	3.83%	3.68%	3.90%	3.35%	-20 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	-8.40%	-11.03%	-6.50%	-3.65%	-10.64%	-9.21%	-5.29%	+120 bps
Loan Growth (YoY)	n/a	-11.70%	-16.15%	-16.42%	-12.29%	-4.58%	-1.43%	-3.66%	+1,277 bps
Share Growth (YoY)	n/a	-10.57%	-12.94%	-7.92%	-8.06%	-14.08%	-12.99%	-6.40%	+152 bps
Asset Quality
Delinquent Loans / Loans	2.60%	1.68%	2.66%	0.90%	1.02%	0.55%	0.97%	0.54%	-36 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	3.47%	3.35%	3.91%	4.23%	4.54%	4.44%	4.43%	4.57%	+34 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	51.55%	43.87%	47.44%	47.28%	49.18%	48.72%	53.74%	48.67%	+139 bps
Liquid Assets / Assets	47.80%	40.40%	29.97%	46.98%	47.23%	48.65%	48.83%	46.71%	-26 bps