Colonial N.J.

Mountainside, NJ · Charter 8937

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.

Mountainside, NJ · Charter 8937

Q2 2000

$3.1MAssets

$2.0MLoans

$2.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.12%-215 bps YoY

Net Interest Margin (YTD, annualized)

5.35%

Efficiency Ratio (YTD, annualized)

66.25%

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	4.99%	4.37%	4.34%	4.27%	4.44%	3.19%	1.30%	2.12%	-215 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	5.17%	5.35%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	77.62%	66.25%	n/a
Growth
Asset Growth (YoY)	-13.60%	-15.39%	-5.75%	-21.30%	-6.41%	13.11%	15.09%	13.57%	+3,487 bps
Loan Growth (YoY)	53.41%	55.69%	44.70%	23.92%	15.49%	35.86%	36.87%	39.79%	+1,586 bps
Share Growth (YoY)	-20.68%	-22.52%	-12.91%	-27.75%	-11.94%	12.80%	15.60%	12.80%	+4,056 bps
Asset Quality
Delinquent Loans / Loans	2.58%	3.55%	2.85%	1.80%	2.19%	1.54%	1.40%	1.17%	-63 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	8.16%	7.03%	5.88%	5.42%	5.54%	4.58%	3.62%	2.78%	-264 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	53.55%	60.49%	64.24%	66.74%	70.23%	72.85%	76.06%	82.71%	+1,596 bps
Liquid Assets / Assets	20.00%	23.36%	21.04%	17.57%	41.89%	37.65%	0.00%	0.00%	-1,757 bps