Sinval Ridgway

Ridgway, PA · Charter 9796

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.

Ridgway, PA · Charter 9796

Q4 1996

$419KAssets

$189KLoans

$361KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.45%-26 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	3.51%	3.71%	4.84%	2.78%	1.68%	3.45%	-26 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	7.34%	3.32%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	36.87%	40.01%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	8.12%	3.89%	n/a
Asset Quality
Delinquent Loans / Loans	6.83%	5.99%	0.00%	1.48%	0.00%	0.00%	-599 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.43%	2.42%	1.66%	1.81%	4.48%	4.37%	+195 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	39.26%	38.81%	55.77%	47.97%	49.71%	52.31%	+1,349 bps
Liquid Assets / Assets	47.54%	46.24%	34.69%	32.66%	45.19%	45.74%	-50 bps