Weavers Way

Philadelphia, PA · Charter 23075

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Philadelphia, PA · Charter 23075

Q4 1998

$304KAssets

$181KLoans

$309KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.49%-477 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.90%	3.67%	3.39%	3.28%	2.83%	2.83%	-3.08%	-1.49%	-477 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	n/a	8.59%	11.65%	-20.76%	-12.08%	-28.28%	-27.93%	-3,958 bps
Loan Growth (YoY)	n/a	n/a	61.62%	55.14%	32.19%	24.66%	-14.55%	-37.83%	-9,297 bps
Share Growth (YoY)	n/a	n/a	8.32%	9.75%	-23.57%	-13.96%	-20.68%	-21.12%	-3,087 bps
Asset Quality
Delinquent Loans / Loans	3.60%	3.32%	4.65%	3.62%	17.67%	17.67%	6.65%	13.88%	+1,026 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	4.07%	3.16%	3.04%	2.84%	2.54%	2.54%	6.18%	8.43%	+559 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	54.21%	64.71%	69.89%	74.30%	93.76%	93.76%	75.29%	58.56%	-1,573 bps
Liquid Assets / Assets	4.19%	32.96%	25.36%	14.22%	16.13%	16.13%	14.00%	37.12%	+2,290 bps