Buell Industries Employees

Waterbury, CT · Charter 17255

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.

Waterbury, CT · Charter 17255

Q2 2000

$694KAssets

$215KLoans

$608KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.14%-240 bps YoY

Net Interest Margin (YTD, annualized)

3.40%

Efficiency Ratio (YTD, annualized)

95.92%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.54%	2.93%	2.56%	0.67%	0.14%	-240 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	3.73%	3.40%	n/a
Efficiency Ratio	n/a	n/a	n/a	82.49%	95.92%	n/a
Growth
Asset Growth (YoY)	-0.84%	-5.76%	2.78%	-1.54%	11.30%	+1,214 bps
Loan Growth (YoY)	20.07%	15.19%	9.37%	1.91%	10.34%	-973 bps
Share Growth (YoY)	-1.88%	-4.77%	2.08%	5.51%	11.45%	+1,334 bps
Asset Quality
Delinquent Loans / Loans	4.47%	4.39%	6.00%	3.47%	6.68%	+221 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	11.00%	9.15%	8.62%	7.50%	9.65%	-135 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	35.70%	39.90%	37.39%	41.48%	35.34%	-36 bps
Liquid Assets / Assets	61.56%	55.11%	59.44%	56.82%	49.87%	-1,169 bps