Oliver Tyrone Employees

Pittsburgh, PA · Charter 9815

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.

Pittsburgh, PA · Charter 9815

Q2 1997

$294KAssets

$223KLoans

$275KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.10%-187 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	YoY Δ	Trend
Earnings
Return on Assets	0.46%	1.31%	1.98%	2.53%	-2.13%	-2.77%	0.10%	-187 bps
Return on Equity	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
Efficiency Ratio	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	-27.03%	-28.75%	-33.73%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-13.17%	-3.23%	-22.52%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-24.85%	-25.12%	-31.01%	n/a
Asset Quality
Delinquent Loans / Loans	6.04%	7.49%	4.44%	11.37%	8.97%	8.97%	9.93%	+549 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.68%	4.05%	3.68%	1.96%	4.32%	5.99%	6.26%	+258 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	72.17%	76.34%	72.03%	98.42%	83.38%	98.66%	80.89%	+885 bps
Liquid Assets / Assets	34.89%	31.80%	33.61%	12.15%	21.00%	7.71%	24.39%	-922 bps