Norristown Bell

Blue Bell, PA · Charter 3782

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Blue Bell, PA · Charter 3782

Q2 1997

$23.7MAssets

$11.9MLoans

$22.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.35%-20 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	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.22%	3.69%	3.55%	3.31%	3.70%	3.89%	3.35%	-20 bps
Return on Equity	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
Efficiency Ratio	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	n/a	n/a	-6.97%	-3.33%	-4.62%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-8.42%	-7.45%	-2.18%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.11%	-4.54%	-5.63%	n/a
Asset Quality
Delinquent Loans / Loans	3.44%	3.05%	3.00%	1.06%	0.80%	1.30%	1.06%	-195 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.74%	1.43%	1.77%	1.11%	1.51%	1.11%	1.48%	-29 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	49.06%	56.26%	52.11%	53.32%	48.90%	54.54%	54.00%	+190 bps
Liquid Assets / Assets	24.25%	12.15%	13.89%	21.04%	13.99%	19.93%	19.52%	+563 bps