Camden Community

Camden, NJ · Charter 68043

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Camden, NJ · Charter 68043

Q4 1997

$2.3MAssets

$510KLoans

$2.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.46%+57 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.89%	-3.11%	-3.79%	2.36%	2.46%	+57 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)	n/a	117.10%	41.14%	24.96%	18.22%	n/a
Loan Growth (YoY)	n/a	416%	131.47%	5.80%	-35.91%	n/a
Share Growth (YoY)	n/a	123.78%	71.71%	26.22%	22.27%	n/a
Asset Quality
Delinquent Loans / Loans	8.79%	3.24%	5.23%	15.44%	36.78%	+2,798 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.58%	4.28%	8.08%	11.36%	15.25%	+1,167 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	45.18%	37.61%	42.63%	34.15%	23.68%	-2,150 bps
Liquid Assets / Assets	20.11%	25.51%	27.93%	32.44%	62.71%	+4,260 bps