Kings Park Employees

Kings Park, NY · Charter 22183

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Kings Park, NY · Charter 22183

Q2 1996

$2.1MAssets

$915KLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.80%+2 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	YoY Δ	Trend
Earnings
Return on Assets	2.78%	3.09%	2.88%	3.24%	2.80%	+2 bps
Return on Equity	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
Efficiency Ratio	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	-15.12%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-9.60%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-18.90%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.26%	0.20%	0.00%	0.07%	0.16%	-110 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.04%	0.95%	0.65%	0.75%	0.82%	-21 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	48.10%	55.13%	49.24%	57.27%	53.62%	+552 bps
Liquid Assets / Assets	9.64%	5.27%	12.07%	40.52%	38.82%	+2,918 bps