Maidenform Employees

Bayonne, NJ · Charter 23512

Q2 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: Q2 1998, the quarter ended June 30, 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.

Bayonne, NJ · Charter 23512

Q2 1998

$2KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-314%-31,584 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	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.18%	1.90%	1.84%	2.09%	0.27%	-0.76%	-1.29%	-314%	-31,584 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	n/a	-16.04%	-31.58%	-50.02%	-65.42%	-99.77%	-8,373 bps
Loan Growth (YoY)	n/a	n/a	n/a	-61.63%	-62.81%	-71.02%	-89.43%	-100.00%	-3,837 bps
Share Growth (YoY)	n/a	n/a	n/a	-16.99%	-32.88%	-50.65%	-65.76%	-100.00%	-8,301 bps
Asset Quality
Delinquent Loans / Loans	15.35%	21.31%	17.90%	8.95%	9.57%	12.98%	16.65%	n/a	n/a
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	23.76%	17.55%	19.99%	28.29%	36.02%	36.85%	89.19%	n/a	n/a
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	7.07%	4.86%	5.23%	3.49%	3.92%	2.85%	1.61%	n/a	n/a
Liquid Assets / Assets	0.00%	91.20%	34.30%	88.40%	85.80%	75.62%	73.00%	0.00%	-8,840 bps