Brooklyn Postal Employees

Brooklyn, NY · Charter 63233

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.

Brooklyn, NY · Charter 63233

Q2 1998

$12.6MAssets

$9.2MLoans

$9.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.35%-303 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	6.22%	4.22%	5.06%	5.39%	4.90%	3.23%	3.72%	2.35%	-303 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	10.29%	7.59%	7.41%	6.68%	2.81%	-748 bps
Loan Growth (YoY)	n/a	n/a	n/a	6.42%	20.66%	65.90%	65.97%	54.95%	+4,853 bps
Share Growth (YoY)	n/a	n/a	n/a	8.54%	6.20%	7.42%	6.93%	3.56%	-498 bps
Asset Quality
Delinquent Loans / Loans	6.34%	4.77%	3.41%	3.26%	2.90%	8.78%	6.13%	2.46%	-80 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	4.09%	4.61%	3.98%	3.43%	3.52%	3.62%	3.17%	4.11%	+68 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	61.99%	62.71%	67.69%	64.36%	70.43%	96.85%	105.06%	96.29%	+3,193 bps
Liquid Assets / Assets	48.44%	47.39%	43.60%	44.65%	36.64%	28.61%	19.63%	17.95%	-2,670 bps