Guam

Bensalem, PA · Charter 12866

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.

Bensalem, PA · Charter 12866

Q2 1997

$158KAssets

$46KLoans

$100KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.32%+23 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	4.14%	1.88%	3.09%	4.34%	4.62%	-0.56%	3.32%	+23 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	3.96%	-17.50%	-22.43%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-25.07%	-38.14%	-56.87%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-0.38%	-25.64%	-32.25%	n/a
Asset Quality
Delinquent Loans / Loans	3.24%	3.24%	0.99%	17.93%	7.59%	10.23%	10.90%	+990 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	2.95%	2.95%	0.21%	0.42%	0.55%	9.18%	1.94%	+173 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	78.39%	67.39%	72.73%	76.01%	58.97%	56.06%	46.30%	-2,643 bps
Liquid Assets / Assets	32.86%	29.92%	33.12%	35.29%	33.09%	54.96%	51.85%	+1,873 bps