Mead Central

Meadville, PA · Charter 8856

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.

Meadville, PA · Charter 8856

Q4 1998

$1.4MAssets

$917KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.74%+34 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	3.33%	3.37%	2.87%	3.40%	2.97%	3.71%	3.68%	3.74%	+34 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	-0.30%	-7.67%	-7.94%	-8.11%	-6.98%	-0.62%	+704 bps
Loan Growth (YoY)	n/a	n/a	12.93%	-2.43%	-2.17%	0.85%	-11.59%	-14.53%	-1,210 bps
Share Growth (YoY)	n/a	n/a	0.03%	-8.91%	-9.32%	-10.43%	-7.93%	-0.16%	+875 bps
Asset Quality
Delinquent Loans / Loans	0.59%	1.42%	1.40%	0.79%	0.68%	1.04%	0.33%	1.30%	+51 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	1.38%	1.53%	1.73%	0.41%	0.85%	0.92%	0.42%	0.71%	+30 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	79.56%	75.24%	77.91%	84.74%	85.83%	84.71%	74.81%	72.55%	-1,220 bps
Liquid Assets / Assets	21.27%	23.39%	22.00%	1.91%	17.04%	20.76%	28.16%	29.27%	+2,736 bps