King Solomon

Brooklyn, NY · Charter 7732

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.

Brooklyn, NY · Charter 7732

Q2 1999

$412KAssets

$287KLoans

$322KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.85%+101 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	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.67%	5.47%	5.60%	5.84%	6.60%	7.34%	7.34%	6.85%	+101 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	-2.90%	-3.11%	-7.96%	-10.62%	-3.22%	-0.93%	-13.26%	-530 bps
Loan Growth (YoY)	n/a	-0.33%	-33.32%	-16.08%	12.81%	16.54%	21.72%	-21.19%	-511 bps
Share Growth (YoY)	n/a	-2.80%	-3.43%	-14.52%	-20.17%	-14.03%	-8.60%	-14.66%	-14 bps
Asset Quality
Delinquent Loans / Loans	41.14%	47.74%	32.64%	25.70%	25.26%	25.99%	25.99%	36.10%	+1,041 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	7.78%	7.70%	8.71%	7.15%	7.47%	7.16%	7.16%	9.07%	+192 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	71.88%	74.50%	75.84%	96.53%	101.58%	100.99%	100.99%	89.14%	-739 bps
Liquid Assets / Assets	37.52%	32.91%	33.28%	19.80%	20.50%	21.53%	21.53%	12.30%	-749 bps