Definition	Dollar figures in thousands	The Gratz National Bank Gratz, PA December 31, 2007	The Gratz National Bank Gratz, PA December 31, 2006
All Summary Information
Assets and Liabilities
1	Total employees (full-time equivalent)	18	18
2	Total assets	115,644	113,527
3	Cash and due from depository institutions	7,812	7,493
4	Interest-bearing balances	5,569	5,102
5	Securities	22,449	21,941
6	Federal funds sold & reverse repurchase agreements	111	4,990
7	Net loans & leases	80,110	73,934
8	Loan loss allowance	878	907
9	Trading account assets	0	0
10	Bank premises and fixed assets	1,036	1,030
11	Other real estate owned	0	0
12	Goodwill and other intangibles	0	0
13	All other assets	4,126	4,139
14	Life insurance assets	2,600	2,514
15	Total liabilities and capital	115,644	113,527
16	Total liabilities	101,177	100,194
17	Total deposits	96,305	94,448
18	Interest-bearing deposits	86,472	85,323
19	Deposits held in domestic offices	96,305	94,448
20	% insured (estimated)	89.51%	99.62%
21	Federal funds purchased & repurchase agreements	0	0
22	Trading liabilities	0	0
23	Other borrowed funds	3,543	4,469
24	Subordinated debt	0	0
25	All other liabilities	1,329	1,277
26	Equity capital	14,467	13,333
27	Perpetual preferred stock	0	0
28	Common stock	150	150
29	Surplus	150	150
30	Undivided profits	14,167	13,033
	Memoranda:
31	Noncurrent loans and leases	0	0
32	Income earned, not collected on loans	633	675
33	Earning assets	108,239	105,967
34	Long-term assets (5+ years)	11,104	10,246
35	Average Assets, year-to-date	114,204	107,633
36	Average Assets, quarterly	116,369	111,359
37	Volatile liabilities	14,856	13,053
38	Insider loans	1,004	1,351
39	FHLB advances	3,543	4,469
40	Loans and leases held for sale	0	0
41	Unused loan commitments	6,649	7,368
42	Tier 1 (core) capital	14,398	13,386
43	Total risk weighted assets	70,745	66,919
44	Total unused commitments	6,649	7,368
45	Restructured Loans and leases	0	0
46	Derivatives	0	0
	Past due and nonaccrual assets
	Fiduciary and related services
Income and Expense		(Year-to-date)	(Year-to-date)
47	Number of institutions reporting	1	1
48	Total interest income	6,688	6,050
49	Total interest expense	3,009	2,690
50	Net interest income	3,679	3,360
51	Provision for loan and lease losses	0	92
52	Total noninterest income	412	347
53	Fiduciary activities	0	0
54	Service charges on deposit accounts	236	194
55	Trading account gains & fees	0	0
56	Additional noninterest income	176	153
57	Total noninterest expense	1,938	1,799
58	Salaries and employee benefits	975	936
59	Premises and equipment expense	290	277
60	Additional noninterest expense	673	586
61	Pre-tax net operating income	2,153	1,816
62	Securities gains (losses)	0	0
63	Applicable income taxes	622	519
64	Income before extraordinary items	1,531	1,297
65	Extraordinary gains - net	0	0
66	Net income	1,531	1,297
67	Net charge-offs	29	12
68	Cash dividends	515	487
69	Sale, conversion, retirement of capital stock, net	0	0
70	Net operating income	1,531	1,297
	Memo:
Performance and Condition Ratios
71	% of unprofitable institutions	N/A	N/A
72	% of institutions with earnings gains	N/A	N/A
Performance Ratios (%, annualized)		(Year-to-date)	(Year-to-date)
73	Yield on earning assets	6.25%	6.04%
74	Cost of funding earning assets	2.81%	2.68%
75	Net interest margin	3.44%	3.35%
76	Noninterest income to earning assets	0.39%	0.35%
77	Noninterest expense to earning assets	1.81%	1.79%
78	Net operating income to assets	1.34%	1.21%
79	Return on assets (ROA)	1.34%	1.21%
80	Pretax return on assets	1.89%	1.69%
81	Return on equity (ROE)	10.97%	9.98%
82	Retained earnings to average equity (YTD only)	7.28%	6.23%
83	Net charge-offs to loans	0.04%	0.02%
84	Credit loss provision to net charge-offs	0	766.67%
85	Earnings coverage of net loan charge-offs (x)	74.24	159.00
86	Efficiency ratio	47.37%	48.53%
87	Assets per employee ($ millions)	6.42	6.31
88	Cash dividends to net income (YTD only)	33.64%	37.55%
	Condition Ratios (%)
89	Loss allowance to loans	1.08%	1.21%
90	Loss allowance to noncurrent loans	N/A	N/A
91	Noncurrent assets plus other real estate owned to assets	0	0
92	Noncurrent loans to loans	0	0
93	Net loans and leases to deposits	83.18%	78.28%
94	Net loans and leases to core deposits	98.36%	90.83%
95	Equity capital to assets	12.51%	11.74%
96	Core capital (leverage) ratio	12.25%	12.08%
97	Tier 1 risk-based capital ratio	20.35%	20.00%
98	Total risk-based capital ratio	21.59%	21.25%
	Memoranda:
99	Average assets	114,204	107,633
100	Average earning assets	106,961	100,238
101	Average equity	13,954	12,995
102	Average loans	78,272	72,482

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