Oxychem

Burlington, NJ · Charter 21472

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.

Burlington, NJ · Charter 21472

Q4 1998

$336KAssets

$133KLoans

$238KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.71%+58 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	3.15%	3.26%	2.68%	3.14%	2.50%	2.44%	3.14%	3.71%	+58 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	-23.34%	-5.81%	-0.82%	-6.83%	-9.52%	-7.99%	-218 bps
Loan Growth (YoY)	n/a	n/a	-25.93%	3.27%	-10.43%	-6.28%	35.12%	25.58%	+2,231 bps
Share Growth (YoY)	n/a	n/a	-29.30%	-10.16%	-3.37%	-10.64%	-14.14%	-12.67%	-251 bps
Asset Quality
Delinquent Loans / Loans	2.21%	0.36%	0.79%	0.91%	0.89%	0.00%	0.00%	0.00%	-91 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	6.16%	7.32%	10.23%	9.16%	9.46%	9.24%	7.98%	7.29%	-187 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	38.81%	39.95%	27.87%	38.88%	35.97%	41.90%	43.86%	55.91%	+1,703 bps
Liquid Assets / Assets	65.68%	62.63%	63.33%	65.42%	61.97%	64.95%	56.31%	47.64%	-1,778 bps