Massachusetts Half-Way Houses

Boston, MA · Charter 18932

Q4 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: Q4 2000, the quarter ended December 31, 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.

Boston, MA · Charter 18932

Q4 2000

$69KAssets

$0KLoans

$7KShares

$61KNet Worth

Return on Assets (YTD, annualized)

4.72%+302 bps YoY

Net Interest Margin (YTD, annualized)

5.14%

Efficiency Ratio (YTD, annualized)

8.16%

Net Worth / Assets

87.89%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	1.97%	3.31%	2.11%	1.71%	2.16%	1.70%	1.82%	4.72%	+302 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	5.37%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	2.32%	1.87%	5.14%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	39.83%	2.85%	8.16%	n/a
Growth
Asset Growth (YoY)	35.46%	21.00%	10.69%	3.59%	-15.35%	-10.20%	-5.69%	-12.50%	-1,609 bps
Loan Growth (YoY)	40.26%	18.29%	-58.50%	-100.00%	-100.00%	-100.00%	-100.00%	n/a	n/a
Share Growth (YoY)	70.61%	102.77%	16.80%	-1.81%	-46.46%	-64.11%	-28.24%	-66.13%	-6,433 bps
Asset Quality
Delinquent Loans / Loans	14.63%	60.37%	100.00%	n/a	n/a	n/a	n/a	n/a	n/a
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	8.16%	14.97%	25.63%	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	87.89%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	87.89%	n/a	n/a
Liquidity & Funding
Loans / Shares	9.04%	13.13%	4.96%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	58.16%	77.44%	63.23%	65.54%	0.00%	0.00%	0.00%	22.11%	-4,342 bps