Hill Rock Employees

Demarest, NJ · Charter 11925

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Demarest, NJ · Charter 11925

Q2 2000

$539KAssets

$436KLoans

$489KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.06%-139 bps YoY

Net Interest Margin (YTD, annualized)

7.87%

Efficiency Ratio (YTD, annualized)

81.97%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.53%	1.96%	2.19%	2.45%	2.14%	1.94%	-1.21%	1.06%	-139 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	8.72%	7.87%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	93.50%	81.97%	n/a
Growth
Asset Growth (YoY)	19.95%	17.68%	18.91%	15.06%	16.77%	15.88%	16.46%	39.02%	+2,396 bps
Loan Growth (YoY)	21.45%	2.38%	0.74%	1.85%	17.43%	27.51%	55.45%	134.92%	+13,308 bps
Share Growth (YoY)	21.17%	18.33%	21.34%	16.13%	20.30%	18.51%	17.70%	48.79%	+3,266 bps
Asset Quality
Delinquent Loans / Loans	3.61%	0.57%	0.00%	0.57%	0.87%	1.65%	5.76%	0.06%	-51 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	0.97%	1.59%	1.02%	0.95%	0.59%	1.36%	1.84%	0.32%	-63 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	73.86%	60.95%	64.45%	56.48%	72.11%	65.58%	85.12%	89.18%	+3,270 bps
Liquid Assets / Assets	23.60%	34.65%	42.82%	36.02%	24.04%	21.24%	15.38%	11.08%	-2,494 bps