Inmaculada

Long Branch, NJ · Charter 19403

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.

Long Branch, NJ · Charter 19403

Q4 1998

$854KAssets

$307KLoans

$792KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.22%+156 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	3.05%	3.81%	2.92%	1.65%	7.47%	5.88%	4.91%	3.22%	+156 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	22.25%	22.27%	14.27%	33.78%	42.49%	53.27%	+3,099 bps
Loan Growth (YoY)	n/a	n/a	-20.81%	-5.37%	11.48%	23.66%	34.25%	7.95%	+1,332 bps
Share Growth (YoY)	n/a	n/a	19.17%	29.31%	16.53%	34.71%	43.69%	44.92%	+1,561 bps
Asset Quality
Delinquent Loans / Loans	11.49%	10.23%	8.33%	22.02%	6.16%	17.76%	9.84%	25.51%	+349 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	10.36%	7.82%	9.39%	11.51%	10.44%	6.88%	7.91%	11.36%	-15 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	61.53%	56.31%	48.66%	52.05%	58.86%	51.69%	45.47%	38.77%	-1,328 bps
Liquid Assets / Assets	27.22%	24.85%	26.21%	32.45%	24.85%	26.97%	14.29%	14.02%	-1,843 bps