MC Court Label

Bradford, PA · Charter 1183

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.

Bradford, PA · Charter 1183

Q2 1996

$819KAssets

$634KLoans

$734KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.21%+19 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	5.02%	4.60%	4.63%	4.92%	5.21%	+19 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	20.89%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	60.52%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	25.43%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.29%	0.74%	0.00%	1.11%	0.98%	+68 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.07%	0.06%	0.04%	0.12%	0.23%	+16 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	67.52%	83.69%	83.57%	83.94%	86.41%	+1,889 bps
Liquid Assets / Assets	32.05%	24.88%	18.58%	23.14%	20.65%	-1,139 bps