Amherst Town Employees

Amherst, MA · Charter 17329

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Amherst, MA · Charter 17329

Q4 1999

$1.6MAssets

$699KLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.93%-384 bps YoY

Net Interest Margin (YTD, annualized)

2.84%

n/a

Efficiency Ratio (YTD, annualized)

67.36%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.27%	4.80%	4.78%	4.78%	4.84%	5.13%	4.49%	0.93%	-384 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	n/a	2.84%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	67.36%	n/a	n/a
Growth
Asset Growth (YoY)	-8.91%	-3.57%	10.30%	13.53%	10.59%	19.60%	27.26%	20.27%	+674 bps
Loan Growth (YoY)	8.84%	32.41%	41.93%	69.31%	67.85%	42.60%	30.77%	22.60%	-4,671 bps
Share Growth (YoY)	-10.19%	-6.30%	10.25%	12.56%	7.35%	18.92%	23.88%	19.99%	+742 bps
Asset Quality
Delinquent Loans / Loans	0.80%	0.84%	1.34%	0.51%	0.50%	0.56%	0.89%	0.61%	+10 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	2.32%	2.10%	2.85%	1.97%	1.67%	1.77%	1.28%	1.03%	-94 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	35.20%	42.75%	42.96%	47.49%	55.04%	51.26%	45.35%	48.52%	+103 bps
Liquid Assets / Assets	21.69%	9.48%	7.98%	10.66%	9.84%	20.25%	0.00%	14.83%	+417 bps