Donovan Data Employees

New York, NY · Charter 23625

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.

New York, NY · Charter 23625

Q2 1999

$1.6MAssets

$390KLoans

$1.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

9.39%+400 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.39%	5.33%	5.41%	5.86%	9.39%	+400 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)	-4.25%	16.52%	6.79%	1.48%	-1.05%	+320 bps
Loan Growth (YoY)	6.36%	-10.93%	10.13%	10.80%	10.53%	+417 bps
Share Growth (YoY)	-6.24%	14.42%	4.52%	-1.46%	-3.20%	+304 bps
Asset Quality
Delinquent Loans / Loans	1.06%	2.09%	1.17%	1.71%	1.71%	+65 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.46%	3.24%	3.59%	3.07%	3.07%	+61 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	22.65%	23.15%	29.24%	28.57%	25.86%	+321 bps
Liquid Assets / Assets	22.38%	33.92%	24.09%	37.58%	70.82%	+4,844 bps