The Lancaster Teachers'

Lancaster, PA · Charter 65407

Q4 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: Q4 1997, the quarter ended December 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.

Lancaster, PA · Charter 65407

Q4 1997

$4.9MAssets

$3.3MLoans

$4.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.35%-16 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	YoY Δ	Trend
Earnings
Return on Assets	5.50%	8.82%	5.84%	5.31%	5.35%	-16 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	-12.14%	6.98%	10.30%	1.68%	n/a
Loan Growth (YoY)	n/a	8.93%	9.75%	5.81%	14.39%	n/a
Share Growth (YoY)	n/a	-14.50%	5.16%	9.41%	0.77%	n/a
Asset Quality
Delinquent Loans / Loans	1.82%	7.67%	0.85%	0.93%	0.94%	-88 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.78%	1.79%	1.79%	1.82%	1.75%	-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	66.16%	70.63%	65.44%	67.57%	75.10%	+894 bps
Liquid Assets / Assets	0.93%	27.62%	14.08%	14.97%	11.48%	+1,055 bps