B & O PGH Div

Pittsburgh, PA · Charter 7400

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.

Pittsburgh, PA · Charter 7400

Q4 1997

$810KAssets

$419KLoans

$683KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-2.35%-611 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	0.96%	2.08%	3.60%	3.76%	3.57%	2.63%	-6.60%	-2.35%	-611 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	n/a	n/a	n/a	-2.03%	-2.28%	-8.25%	-8.61%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	31.97%	-5.94%	-22.48%	-36.88%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.16%	-4.75%	-5.86%	-3.97%	n/a
Asset Quality
Delinquent Loans / Loans	1.50%	0.32%	0.92%	4.60%	11.68%	13.50%	7.81%	3.97%	-63 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	3.20%	3.19%	3.23%	3.04%	3.35%	3.01%	9.49%	8.61%	+557 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	63.07%	76.16%	80.82%	93.40%	88.71%	75.21%	66.55%	61.39%	-3,202 bps
Liquid Assets / Assets	35.94%	32.49%	30.92%	20.28%	20.87%	26.70%	28.98%	44.61%	+2,433 bps