Bakelite Employees

Somersetook, NJ · Charter 68306

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Somersetook, NJ · Charter 68306

Q2 2001

$21.0MAssets

$12.9MLoans

$19.8MShares

$1.2MNet Worth

Return on Assets (YTD, annualized)

-0.24%-353 bps YoY

Net Interest Margin (YTD, annualized)

3.94%

Efficiency Ratio (YTD, annualized)

95.75%

Net Worth / Assets

5.69%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	3.82%	3.80%	3.68%	3.29%	0.00%	0.09%	0.07%	-0.24%	-353 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	1.10%	-4.23%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	4.07%	4.55%	4.42%	3.94%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	99.99%	95.69%	95.90%	95.75%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	0.30%	-2.18%	-0.13%	7.97%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-5.35%	5.96%	18.49%	33.60%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-1.05%	-1.68%	0.07%	5.78%	n/a
Asset Quality
Delinquent Loans / Loans	1.64%	1.97%	1.51%	1.76%	1.67%	1.12%	1.17%	1.32%	-44 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	1.30%	1.31%	0.98%	0.98%	0.81%	0.87%	0.68%	0.68%	-29 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	6.37%	5.69%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	6.37%	5.69%	n/a
Liquidity & Funding
Loans / Shares	61.86%	60.47%	60.22%	51.45%	59.17%	65.17%	71.30%	64.98%	+1,353 bps
Liquid Assets / Assets	25.68%	26.89%	26.75%	32.26%	12.65%	12.56%	18.03%	29.82%	-244 bps