Taiwan

Jersey City, NJ · Charter 22919

Q4 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: Q4 1996, the quarter ended December 31, 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.

Jersey City, NJ · Charter 22919

Q4 1996

$11KAssets

$0KLoans

$0KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-18.52%-1,928 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	0.76%	2.01%	1.38%	1.39%	-18.52%	-1,928 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	10.37%	-89.41%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-100.00%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	19.63%	-99.85%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	0.00%	n/a	n/a
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	3.39%	5.85%	2.25%	4.01%	0.00%	-339 bps
Liquid Assets / Assets	89.39%	89.75%	89.72%	90.72%	0.00%	-8,939 bps