Schedule 4
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Company ASBH BCSB CFFN CHFN CHEV CSBK GOV ALLB GCBC HCBK JXSB XXXX NWSB ONFC
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Current price $15.20 $13.89 $32.74 $32.75 $10.94 $11.60 $12.25 $30.77 $32.89 $34.24 $14.99 $13.18 $21.85 $11.18
Minority marketcap.($Mil.)$25 $30 $713 $122 $49 $159 $12 $21 $30 $2,211 $14 $75 $434 $36
Total equity ($Mil.) 37.9 40.3 964.0 261.0 76.6 200.3 17.9 35.0 29.8 1,287.3 19.2 88.3 500.0 48.4
Total shares (Mil.) 5.6 5.9 74.0 19.6 9.9 30.5 2.3 3.4 2.1 187.2 2.0 14.5 48.0 7.5
MHC ownership 70% 64% 71% 81% 55% 55% 57% 80% 56% 65% 53% 616% 59% 58%
Minority ownership 30% 36% 29% 19% 45% 45% 43% 20% 44% 35% 47% 39% 41% 42%
Net income Q2-04 537 233 9,485 1,872 590 991 239 676 738 58,418 238 909 12,575 896
Q2-04 Annualized EPS $0.40 $0.16 $0.52 $0.38 $0.25 $0.13 $0.43 $0.79 $1.42 $1.26 $0.48 $0.26 $1.04 $0.47
Net income LTM ($Mil.) 2.1 0.5 26.7 7.7 1.2 3.7 0.8 2.4 2.9 217.3 0.7 3.1 50.5 3.0
Effective tax rate 31% 31% 40% 20% 46% 40% 38% 7% 30% 37% 37% 40% 28% 25%
LTM EPS $0.39 $0.08 $0.37 $0.39 $0.12 $0.13 $0.37 $0.70 $1.40 $1.17 $0.35 $0.22 $1.04 $0.39
Current P/LTM EPS 38.7x 179.1x 89.4x 83.0x 90.4x 92.6x 33.1x 44.0x 23.4x 29.2x 43.3x 60.2x 21.0x 28.5x
Current P/Q2-04 EPS 38.4x 87.1x 62.8x 85.1x 44.3x 86.2x 28.8x 30.1x 23.1x 27.2x 31.3x 50.7.1x 21.1x 23.8x
Annlzd.
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PBHC PBCT ROME WCFB WFD Median
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Current price $16.50 $30.75 $29.00 $13.98 $20.25
Minority marketcap.($Mil $14 $1,200 $47 $21 $90
Total Equity ($Mil.) 22.2 1,156.6 35.6 22.6 116.6
Total shares (Mil.) 2.4 93.7 4.2 3.8 10.1
MHC ownership 65% 58% 61% 61% 56% 60%
Minority ownership 35% 42% 39% 39% 44%
Net Income Q2-04 323 25,000 680 275 1,633
Q2-04 Annualized EPS $0.52 $1.06 $0.65 $0.29 $0.65
Net income LTM ($Mil.) 1.5 176.5 1.5 1.1 5.8
Effective tax rate 27% 34% 35% 36% 29%
LTM EPS $0.60 $1.88 $0.36 $0.30 $0.58
Current P/LTM EPS 27.6x 16.4x 80.2x 46.2x 35.2x 43.7x
Current P/Q2-04 EPS 31.6x 28.9x 44.7x 48.0x 31.1x 35.4x
Annlzd.
Source: SNL DataSource and company data
**Fundamental Data through 6/30/04
