Topps Employees

Duryea, PA · Charter 18082

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.

Duryea, PA · Charter 18082

Q4 1996

$3.2MAssets

$1.4MLoans

$2.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.54%+126 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	3.66%	4.27%	4.19%	4.52%	3.96%	5.54%	+126 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	-1.92%	-23.79%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-5.36%	-31.59%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.86%	-28.40%	n/a
Asset Quality
Delinquent Loans / Loans	5.55%	2.24%	4.08%	4.30%	4.88%	5.32%	+308 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.81%	2.95%	3.41%	3.89%	4.34%	6.18%	+323 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	50.85%	54.96%	53.07%	52.97%	50.06%	52.51%	-245 bps
Liquid Assets / Assets	22.81%	19.74%	15.59%	39.43%	36.42%	43.16%	+2,341 bps