Northeast

Portsmouth, NH · Charter 1515

Q4 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: Q4 1996, the quarter ended December 31, 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.

Portsmouth, NH · Charter 1515

Q4 1996

$179.3MAssets

$135.6MLoans

$162.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.98%+46 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	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.52%	4.80%	4.79%	n/a	4.98%	+46 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)	14.48%	13.01%	8.34%	8.51%	5.16%	-932 bps
Loan Growth (YoY)	21.68%	16.64%	14.26%	10.18%	10.13%	-1,155 bps
Share Growth (YoY)	13.70%	11.65%	6.97%	6.64%	4.00%	-970 bps
Asset Quality
Delinquent Loans / Loans	0.31%	0.29%	0.43%	0.39%	0.40%	+9 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.92%	0.94%	0.89%	0.84%	0.78%	-14 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	79.06%	76.16%	78.17%	80.39%	83.72%	+465 bps
Liquid Assets / Assets	11.34%	15.32%	11.98%	14.04%	11.71%	+37 bps