Carver Municipal Bank

Brooklyn, NY · Cert 58444

FDIC

Q4 2007

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 2007, the quarter ended December 31, 2007, 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.

Brooklyn, NY · Cert 58444

FDIC

Q4 2007

$2.0MAssets

n/aLoans

n/aDeposits

$2.0MEquity

Deposit mix

Return on Assets (YTD, annualized)

-1.54%-130 bps YoY

Net Interest Margin (YTD, annualized)

0.00%0 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2006	Q1 2007	Q2 2007	Q3 2007	Q4 2007	YoY Δ	Trend
Earnings
Return on Assets	-0.24%	-0.19%	-1.14%	-0.70%	-1.54%	-130 bps
Return on Equity	n/a	-0.20%	-1.21%	-0.74%	-1.61%	n/a
Net Interest Margin	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	0.30%	0.25%	1.14%	0.70%	1.57%	+127 bps
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-6.28%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	-100.00%	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	397%	395%	393%	472%	498%	+10,081 bps
Equity / Assets	94.91%	94.77%	94.38%	94.47%	99.64%	+474 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a