Wildupco

Wilmington, DE · Charter 14335

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.

Wilmington, DE · Charter 14335

Q2 1996

$6.5MAssets

$4.7MLoans

$6.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.21%+292 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	0.30%	1.04%	3.48%	3.55%	3.21%	+292 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	-16.18%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-10.85%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-14.34%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	5.53%	4.77%	3.63%	5.65%	0.84%	-469 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.57%	3.94%	4.08%	2.93%	3.29%	-27 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	71.41%	92.51%	82.88%	86.22%	74.31%	+290 bps
Liquid Assets / Assets	19.87%	4.92%	10.65%	9.27%	9.64%	-1,023 bps