P.S.W.C. Employees

Bryn Mawr, PA · Charter 63134

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Bryn Mawr, PA · Charter 63134

Q2 1999

$627KAssets

$255KLoans

$456KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.97%-97 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.57%	3.29%	3.62%	3.94%	3.93%	-0.91%	1.94%	2.97%	-97 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	-8.47%	-3.82%	-6.27%	-16.41%	-25.02%	-32.73%	-34.15%	-2,787 bps
Loan Growth (YoY)	n/a	-6.10%	-14.31%	-17.07%	-15.73%	-19.16%	-25.44%	-36.51%	-1,943 bps
Share Growth (YoY)	n/a	-11.33%	-6.64%	-9.89%	-22.01%	-30.10%	-41.73%	-42.68%	-3,280 bps
Asset Quality
Delinquent Loans / Loans	0.45%	2.91%	1.21%	0.82%	4.81%	0.73%	1.05%	0.82%	0 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	2.08%	2.91%	3.77%	4.48%	5.47%	6.92%	8.84%	10.97%	+649 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	57.36%	50.48%	54.41%	50.56%	61.98%	58.38%	69.61%	56.01%	+545 bps
Liquid Assets / Assets	46.13%	47.09%	48.87%	47.74%	44.24%	43.47%	43.84%	26.62%	-2,112 bps