Employees of Imperial

Plattsburgh, NY · Charter 18079

Q2 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: Q2 1998, the quarter ended June 30, 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.

Plattsburgh, NY · Charter 18079

Q2 1998

$1.6MAssets

$796KLoans

$1.2MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.46%-195 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.25%	5.31%	5.40%	4.41%	4.98%	3.80%	4.60%	2.46%	-195 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	n/a	10.40%	2.77%	-7.32%	-5.67%	-12.67%	-2,307 bps
Loan Growth (YoY)	n/a	n/a	n/a	-2.12%	-1.90%	-11.98%	-7.75%	-22.41%	-2,029 bps
Share Growth (YoY)	n/a	n/a	n/a	8.13%	-2.72%	-12.62%	-11.44%	-19.75%	-2,788 bps
Asset Quality
Delinquent Loans / Loans	0.91%	0.32%	0.08%	6.03%	1.23%	3.90%	1.51%	5.33%	-70 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	4.31%	2.81%	2.94%	3.39%	2.30%	3.05%	2.75%	3.13%	-27 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	83.91%	77.40%	82.86%	66.61%	84.62%	77.96%	86.31%	64.40%	-221 bps
Liquid Assets / Assets	7.33%	16.73%	14.69%	35.47%	23.15%	23.56%	10.80%	34.02%	-146 bps