Jersey-Metro

West Paterson, NJ · Charter 23239

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.

West Paterson, NJ · Charter 23239

Q2 1999

$9.7MAssets

$3.8MLoans

$9.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.81%-98 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	3.01%	3.53%	3.59%	2.79%	1.63%	2.35%	2.42%	1.81%	-98 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	-13.88%	-17.22%	-14.91%	-27.59%	-28.28%	-22.16%	-16.25%	-134 bps
Loan Growth (YoY)	n/a	28.73%	-3.48%	-16.26%	-26.82%	-35.49%	-40.72%	-37.72%	-2,147 bps
Share Growth (YoY)	n/a	-10.17%	-17.49%	-16.10%	-26.86%	-27.92%	-21.63%	-15.64%	+46 bps
Asset Quality
Delinquent Loans / Loans	1.89%	1.18%	1.65%	2.34%	2.63%	2.61%	4.96%	3.33%	+99 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	2.92%	1.67%	1.56%	1.76%	4.83%	5.37%	4.29%	3.02%	+126 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	54.35%	51.06%	55.98%	53.80%	54.37%	45.69%	42.34%	39.71%	-1,409 bps
Liquid Assets / Assets	21.93%	29.20%	23.32%	30.42%	26.34%	33.21%	41.29%	46.00%	+1,558 bps