White Rose Postal Emp

York, PA · Charter 6535

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.

York, PA · Charter 6535

Q2 1997

$9.9MAssets

$7.0MLoans

$8.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.02%-32 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.34%	4.56%	4.59%	4.73%	4.02%	-32 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	1.61%	5.87%	10.52%	n/a
Loan Growth (YoY)	n/a	n/a	26.92%	26.41%	19.02%	n/a
Share Growth (YoY)	n/a	n/a	-0.85%	3.90%	9.69%	n/a
Asset Quality
Delinquent Loans / Loans	0.08%	0.07%	0.07%	0.04%	0.54%	+46 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.33%	0.25%	0.35%	0.27%	0.29%	-4 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	75.79%	81.02%	85.17%	92.39%	82.24%	+645 bps
Liquid Assets / Assets	27.12%	22.74%	17.20%	11.44%	20.04%	-707 bps