Richmond County Savings Bank

Staten Island, NY · Cert 16027

FDIC

Q2 2001

$3.7BAssets

$1.9BLoans

$2.5BDeposits

$296.8MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of 1.24%, up 26 bps year over year; NIM at 3.12%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 76.64% of deposits as of Q2 2001.

Return on Assets (YTD, annualized)

1.24%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.12%

Efficiency Ratio (YTD, annualized)

47.27%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	1.34%	1.33%	1.24%	0.98%	1.06%	1.11%	1.23%	1.24%	+26 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	3.28%	3.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	48.42%	47.27%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	1.38%	1.28%	n/a
Growth
Asset Growth (YoY)	72.25%	69.28%	10.30%	3.83%	14.21%	10.92%	15.36%	27.85%	+2,401 bps
Loan Growth (YoY)	82.50%	76.30%	28.51%	19.72%	23.52%	18.36%	8.65%	23.89%	+417 bps
Deposit Growth (YoY)	71.76%	68.65%	11.93%	10.55%	25.41%	24.60%	25.34%	41.57%	+3,102 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	1.10%	1.15%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	14.00%	10.65%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	9.26%	8.08%	n/a
Liquidity & Funding
Loans / Deposits	85.95%	91.36%	90.76%	87.58%	84.65%	86.78%	78.67%	76.64%	-1,094 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.68%	1.51%	+151 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a