Linden Power

Port Reading, NJ · Charter 19102

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Port Reading, NJ · Charter 19102

Q2 1997

$320KAssets

$51KLoans

$289KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.82%-8 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.48%	1.55%	2.90%	3.14%	2.51%	2.61%	2.82%	-8 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-9.84%	-4.04%	-34.81%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-39.77%	-23.57%	-36.36%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-9.51%	-4.38%	-35.20%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	5.09%	1.34%	+134 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.02%	0.03%	0.03%	0.03%	0.04%	0.03%	0.05%	+2 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	22.95%	20.58%	17.88%	20.77%	15.28%	16.45%	17.56%	-32 bps
Liquid Assets / Assets	62.07%	67.29%	71.64%	69.58%	68.57%	70.06%	46.28%	-2,535 bps