Local 98 IBEW

Philadelphia, PA · Charter 61805

Q4 1996

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 1996, the quarter ended December 31, 1996, 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 61805

Q4 1996

$1.4MAssets

$1.0MLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.71%+119 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	YoY Δ	Trend
Earnings
Return on Assets	0.08%	1.52%	4.65%	4.02%	2.74%	2.71%	+119 bps
Return on Equity	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
Efficiency Ratio	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	24.36%	14.45%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	8.36%	33.50%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	21.88%	11.67%	n/a
Asset Quality
Delinquent Loans / Loans	5.51%	5.21%	1.44%	0.66%	1.16%	2.23%	-298 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.62%	4.59%	3.62%	3.80%	5.08%	4.36%	-23 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	65.86%	65.03%	58.93%	61.64%	58.55%	77.74%	+1,271 bps
Liquid Assets / Assets	33.65%	22.40%	45.29%	36.87%	44.12%	24.70%	+229 bps