A P C I Plant 4

Wilkes-Barre, PA · Charter 11337

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Wilkes-Barre, PA · Charter 11337

Q2 1997

$1.5MAssets

$473KLoans

$1.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.64%-66 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.08%	3.61%	4.31%	4.29%	3.81%	3.89%	3.64%	-66 bps
Return on Equity	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
Efficiency Ratio	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	n/a	n/a	-0.91%	5.85%	5.03%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	57.25%	18.29%	-4.29%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-4.14%	3.71%	3.31%	n/a
Asset Quality
Delinquent Loans / Loans	4.26%	3.59%	3.58%	6.05%	3.78%	1.90%	1.88%	-170 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	6.68%	3.27%	3.06%	2.99%	2.26%	2.41%	2.78%	-28 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	30.50%	40.12%	42.34%	43.34%	50.03%	45.76%	39.23%	-312 bps
Liquid Assets / Assets	70.36%	63.42%	61.92%	61.75%	56.52%	56.18%	63.67%	+175 bps