Crown Can Employees of Phila

Philadelphia, PA · Charter 10061

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Philadelphia, PA · Charter 10061

Q2 1996

$1.7MAssets

$463KLoans

$1.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.94%+76 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.18%	3.38%	3.70%	3.48%	3.94%	+76 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)	n/a	n/a	n/a	n/a	-4.35%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-18.37%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	1.95%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	2.84%	1.10%	2.10%	3.53%	8.63%	+578 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.73%	0.47%	1.50%	3.46%	4.42%	+369 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	45.08%	50.64%	40.82%	42.29%	36.10%	-898 bps
Liquid Assets / Assets	48.73%	49.20%	52.55%	53.23%	71.18%	+2,245 bps