Shaarey Zedek Buffalo

Amherst, NY · Charter 797

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Amherst, NY · Charter 797

Q2 2000

$241KAssets

$116KLoans

$167KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.12%-74 bps YoY

Net Interest Margin (YTD, annualized)

7.41%

Efficiency Ratio (YTD, annualized)

73.43%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.03%	2.29%	1.95%	2.86%	1.97%	2.38%	0.02%	2.12%	-74 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	4.71%	7.41%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	99.59%	73.43%	n/a
Growth
Asset Growth (YoY)	-5.93%	-8.21%	-12.08%	-16.14%	-15.66%	-6.82%	-2.45%	-12.79%	+335 bps
Loan Growth (YoY)	-35.82%	-29.01%	-20.55%	-4.38%	-8.86%	-16.90%	-28.30%	-39.01%	-3,464 bps
Share Growth (YoY)	-6.22%	-9.73%	-15.19%	-20.91%	-20.64%	-9.52%	-2.97%	-16.64%	+427 bps
Asset Quality
Delinquent Loans / Loans	26.26%	27.71%	13.61%	7.80%	23.04%	14.43%	22.92%	0.00%	-780 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	4.54%	4.12%	4.17%	4.13%	4.99%	4.96%	5.29%	6.16%	+203 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	68.15%	83.01%	86.17%	94.62%	78.27%	76.24%	63.68%	69.23%	-2,539 bps
Liquid Assets / Assets	36.26%	36.43%	31.53%	30.83%	31.42%	31.64%	0.00%	52.15%	+2,132 bps