Rochester Hebrew

Rochester, NY · Charter 63232

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.

Rochester, NY · Charter 63232

Q2 1999

$1KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.00%-242 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.20%	2.78%	1.89%	2.42%	3.29%	2.79%	4.86%	0.00%	-242 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	-10.47%	-12.41%	-8.26%	-7.48%	8.34%	-99.41%	-8,699 bps
Loan Growth (YoY)	n/a	n/a	-46.37%	-53.36%	-63.30%	-78.74%	-76.41%	-100.00%	-4,664 bps
Share Growth (YoY)	n/a	n/a	-13.84%	-16.99%	-18.21%	-15.98%	-0.37%	-100.00%	-8,301 bps
Asset Quality
Delinquent Loans / Loans	7.05%	1.28%	5.99%	29.27%	13.87%	51.66%	84.21%	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	0.56%	0.30%	0.40%	0.55%	0.76%	9.26%	11.35%	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	80.46%	79.52%	68.01%	50.49%	36.11%	20.12%	16.10%	n/a	n/a
Liquid Assets / Assets	42.85%	44.19%	55.75%	58.87%	74.94%	86.82%	89.29%	0.00%	-5,887 bps