Employees of General Electric

Erie, PA · Charter 1161

Q4 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: Q4 1996, the quarter ended December 31, 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.

Erie, PA · Charter 1161

Q4 1996

$7.3MAssets

$3.8MLoans

$6.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.06%-9 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	YoY Δ	Trend
Earnings
Return on Assets	3.35%	5.15%	4.68%	4.82%	4.72%	5.06%	-9 bps
Return on Equity	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
Efficiency Ratio	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	-18.98%	-12.21%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	33.99%	22.31%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-23.95%	-15.72%	n/a
Asset Quality
Delinquent Loans / Loans	0.08%	0.07%	0.10%	0.89%	2.79%	1.19%	+112 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.31%	0.38%	0.70%	0.83%	0.77%	0.95%	+57 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	30.96%	42.53%	52.51%	55.93%	54.55%	61.72%	+1,919 bps
Liquid Assets / Assets	36.49%	17.58%	35.60%	30.42%	24.43%	28.56%	+1,098 bps