Plumbers Local #27

Pittsburgh, PA · Charter 64934

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.

Pittsburgh, PA · Charter 64934

Q4 1996

$888KAssets

$611KLoans

$815KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.43%-25 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	4.75%	4.68%	5.07%	4.82%	4.91%	4.43%	-25 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	19.38%	26.52%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	23.53%	10.84%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	19.01%	27.58%	n/a
Asset Quality
Delinquent Loans / Loans	3.56%	1.10%	1.14%	0.82%	0.77%	0.28%	-82 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.44%	1.64%	1.32%	1.92%	1.93%	2.24%	+61 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	74.40%	86.35%	95.15%	86.99%	77.23%	75.02%	-1,133 bps
Liquid Assets / Assets	30.67%	19.42%	14.39%	23.16%	31.27%	29.03%	+961 bps