Twin Meadows

East Longmeadow, MA · Charter 16613

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.

East Longmeadow, MA · Charter 16613

Q2 2000

$7.2MAssets

$4.0MLoans

$6.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.08%-257 bps YoY

Net Interest Margin (YTD, annualized)

3.67%

Efficiency Ratio (YTD, annualized)

71.70%

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	3.29%	3.63%	3.86%	3.66%	3.39%	3.64%	0.88%	1.08%	-257 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	3.85%	3.67%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	78.72%	71.70%	n/a
Growth
Asset Growth (YoY)	37.95%	46.11%	43.00%	48.51%	19.27%	29.45%	32.76%	25.79%	-2,272 bps
Loan Growth (YoY)	91.33%	111.75%	129.01%	148.42%	30.65%	25.35%	33.53%	35.21%	-11,320 bps
Share Growth (YoY)	35.86%	40.01%	36.38%	41.41%	18.08%	28.31%	27.38%	25.82%	-1,559 bps
Asset Quality
Delinquent Loans / Loans	0.82%	0.61%	0.58%	0.00%	0.22%	0.00%	0.22%	0.19%	+19 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	1.15%	1.03%	0.96%	0.88%	0.78%	0.50%	0.36%	0.51%	-37 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	51.81%	53.85%	62.22%	56.24%	57.33%	52.61%	65.22%	60.44%	+420 bps
Liquid Assets / Assets	22.48%	39.39%	20.68%	16.29%	38.32%	24.67%	16.56%	9.55%	-674 bps