Paterson

Paterson, NJ · Charter 12052

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Paterson, NJ · Charter 12052

Q4 1998

$39KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.54%-278 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.03%	2.41%	4.17%	4.31%	4.27%	5.26%	6.39%	1.54%	-278 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	-24.47%	-15.25%	-14.63%	-30.92%	-39.01%	-96.55%	-8,130 bps
Loan Growth (YoY)	n/a	n/a	-24.03%	-30.85%	-37.28%	-51.33%	-100.00%	-100.00%	-6,915 bps
Share Growth (YoY)	n/a	n/a	-25.25%	-20.54%	-19.78%	-37.81%	-46.27%	-100.00%	-7,946 bps
Asset Quality
Delinquent Loans / Loans	13.34%	2.26%	3.52%	2.01%	2.31%	1.62%	n/a	n/a	n/a
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	5.62%	5.76%	6.57%	7.27%	8.85%	11.83%	n/a	n/a	n/a
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	62.23%	53.77%	51.69%	51.66%	48.66%	42.08%	0.00%	n/a	n/a
Liquid Assets / Assets	30.65%	14.15%	43.97%	45.38%	57.51%	54.02%	97.16%	43.88%	-149 bps