Diamond

Pottstown, PA · Charter 5532

Q1 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: Q1 1997, the quarter ended March 31, 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.

Pottstown, PA · Charter 5532

Q1 1997

$76.2MAssets

$60.0MLoans

$69.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.71%+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 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	Q4 1996	Q1 1997	YoY Δ	Trend
Earnings
Return on Assets	4.00%	4.33%	4.43%	4.51%	4.58%	n/a	4.64%	4.71%	+20 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)	11.10%	9.73%	8.45%	19.00%	18.05%	16.36%	19.28%	11.13%	-787 bps
Loan Growth (YoY)	14.14%	9.53%	9.87%	20.64%	22.00%	23.71%	24.20%	15.28%	-535 bps
Share Growth (YoY)	10.83%	9.85%	10.93%	18.37%	17.71%	15.52%	18.59%	10.73%	-764 bps
Asset Quality
Delinquent Loans / Loans	0.51%	0.44%	0.51%	0.38%	0.38%	0.47%	0.62%	0.68%	+30 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	0.30%	0.19%	0.22%	0.34%	0.31%	0.26%	0.31%	0.30%	-4 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	80.81%	84.36%	85.44%	83.09%	83.76%	90.34%	89.48%	86.51%	+342 bps
Liquid Assets / Assets	11.02%	9.74%	9.84%	11.75%	9.57%	4.07%	6.42%	6.72%	-503 bps