Uni Employees

Uniontown, PA · Charter 65643

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.

Uniontown, PA · Charter 65643

Q4 1996

$232KAssets

$157KLoans

$210KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.88%-110 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	2.93%	3.98%	2.93%	3.89%	2.43%	2.88%	-110 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	9.48%	8.81%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-13.56%	-6.24%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	7.78%	8.68%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	1.96%	1.52%	+152 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%	1.35%	1.56%	1.69%	1.66%	1.63%	+28 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	71.63%	86.94%	59.14%	64.13%	57.44%	75.01%	-1,194 bps
Liquid Assets / Assets	29.79%	14.65%	42.98%	39.64%	40.02%	29.79%	+1,514 bps