Seminary

Pittsburgh, PA · Charter 20482

Q4 2000

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 2000, the quarter ended December 31, 2000, 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.

Pittsburgh, PA · Charter 20482

Q4 2000

$101KAssets

$41KLoans

$87KShares

$11KNet Worth

Return on Assets (YTD, annualized)

2.81%-94 bps YoY

Net Interest Margin (YTD, annualized)

6.27%

Efficiency Ratio (YTD, annualized)

38.01%

Net Worth / Assets

10.76%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.38%	3.08%	3.70%	3.75%	3.02%	0.40%	3.38%	2.81%	-94 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	26.12%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.41%	6.49%	6.27%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	71.45%	45.52%	38.01%	n/a
Growth
Asset Growth (YoY)	10.48%	17.39%	19.95%	6.00%	8.60%	2.85%	3.90%	5.55%	-45 bps
Loan Growth (YoY)	65.99%	55.84%	15.78%	-5.02%	-21.54%	-31.57%	-4.80%	-12.01%	-699 bps
Share Growth (YoY)	11.17%	19.25%	21.80%	5.31%	8.04%	1.61%	2.92%	5.20%	-11 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	7.97%	9.96%	9.11%	5.66%	+566 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	0.19%	1.48%	2.36%	3.01%	3.62%	5.96%	5.36%	7.98%	+497 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.76%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.76%	n/a	n/a
Liquidity & Funding
Loans / Shares	66.50%	60.64%	51.36%	55.95%	48.29%	40.84%	47.51%	46.79%	-915 bps
Liquid Assets / Assets	37.60%	44.28%	42.02%	48.61%	43.22%	5.59%	5.60%	61.03%	+1,242 bps