Wilkinsburg Employees

Wilkinsburg, PA · Charter 19828

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Wilkinsburg, PA · Charter 19828

Q2 1999

$156KAssets

$67KLoans

$135KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.06%+1,122 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.71%	3.17%	4.48%	-6.16%	-0.94%	-0.87%	0.29%	5.06%	+1,122 bps
Return on Equity	n/a	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	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	-28.49%	-45.28%	-30.51%	-27.71%	-23.37%	15.15%	18.22%	+4,873 bps
Loan Growth (YoY)	n/a	-15.97%	-19.34%	-29.77%	-29.10%	-17.57%	-9.00%	-3.15%	+2,663 bps
Share Growth (YoY)	n/a	-31.35%	-50.93%	-32.05%	-29.41%	-24.31%	23.78%	17.77%	+4,982 bps
Asset Quality
Delinquent Loans / Loans	3.85%	14.20%	17.84%	17.97%	9.66%	3.55%	0.39%	1.22%	-1,674 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	9.57%	6.95%	5.79%	11.25%	2.05%	7.20%	7.18%	8.25%	-300 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	51.39%	46.41%	70.95%	59.91%	51.61%	50.54%	52.16%	49.27%	-1,064 bps
Liquid Assets / Assets	39.18%	41.72%	24.93%	24.38%	24.28%	42.56%	41.78%	39.94%	+1,556 bps