Wilkata Employees

Kearny, NJ · Charter 9460

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Kearny, NJ · Charter 9460

Q2 1996

$684KAssets

$297KLoans

$634KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.80%-215 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	4.95%	5.16%	5.01%	0.26%	2.80%	-215 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	n/a	n/a	n/a	-10.51%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-31.37%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.69%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	2.77%	4.76%	9.22%	13.00%	10.27%	+750 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.54%	0.50%	1.04%	11.25%	8.42%	+587 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	64.28%	67.47%	59.45%	57.09%	46.78%	-1,750 bps
Liquid Assets / Assets	37.38%	38.07%	41.51%	48.70%	49.07%	+1,169 bps