Ideal

Buffalo, NY · Charter 63826

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.

Buffalo, NY · Charter 63826

Q2 1998

$0KAssets

$0KLoans

$0KShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

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	3.96%	4.43%	4.44%	2.90%	2.88%	-10.30%	-0.83%	n/a	n/a
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	-13.23%	-11.95%	-15.87%	-38.67%	-100.00%	-8,677 bps
Loan Growth (YoY)	n/a	n/a	n/a	8.24%	6.81%	-6.10%	-30.29%	-100.00%	-10,824 bps
Share Growth (YoY)	n/a	n/a	n/a	-18.18%	-22.72%	-19.01%	-46.29%	-100.00%	-8,182 bps
Asset Quality
Delinquent Loans / Loans	22.50%	24.76%	24.76%	27.96%	6.49%	26.98%	23.74%	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	5.64%	5.47%	5.47%	5.16%	1.54%	4.23%	4.68%	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	105.21%	118.84%	118.84%	125.74%	145.40%	137.79%	154.23%	n/a	n/a
Liquid Assets / Assets	14.91%	13.07%	12.98%	3.73%	3.34%	3.86%	0.00%	n/a	n/a