St. Anthony Community Hospital Emp.

Warwick, NY · Charter 19712

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Warwick, NY · Charter 19712

Q2 1999

$622KAssets

$239KLoans

$516KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.58%+218 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.26%	4.32%	4.34%	3.40%	4.21%	1.27%	4.45%	5.58%	+218 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	17.58%	16.63%	18.25%	30.31%	11.52%	-3.99%	-8.31%	-2,656 bps
Loan Growth (YoY)	n/a	19.54%	3.64%	1.39%	15.77%	25.57%	40.63%	18.39%	+1,700 bps
Share Growth (YoY)	n/a	14.00%	13.94%	15.76%	30.72%	12.71%	-8.85%	-12.21%	-2,798 bps
Asset Quality
Delinquent Loans / Loans	1.27%	1.07%	2.99%	5.89%	4.13%	5.61%	5.66%	5.66%	-23 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	1.39%	1.88%	1.35%	1.73%	1.90%	4.61%	0.89%	0.89%	-84 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	45.67%	31.70%	30.62%	34.29%	40.45%	35.32%	47.25%	46.24%	+1,195 bps
Liquid Assets / Assets	27.53%	31.26%	35.23%	56.91%	42.42%	45.13%	49.25%	50.15%	-676 bps