Ciba Corning Employees

Medfield, MA · Charter 20371

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.

Medfield, MA · Charter 20371

Q4 1996

$700KAssets

$523KLoans

$598KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.49%-33 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.34%	2.82%	2.94%	3.90%	2.28%	2.49%	-33 bps
Return on Equity	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	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-9.10%	-22.12%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-10.14%	-31.02%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-12.34%	-26.42%	n/a
Asset Quality
Delinquent Loans / Loans	1.86%	1.41%	0.71%	2.50%	4.94%	5.86%	+445 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.58%	0.89%	1.13%	1.52%	2.19%	2.32%	+144 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	72.03%	93.30%	88.88%	110.84%	73.84%	87.46%	-583 bps
Liquid Assets / Assets	24.48%	5.89%	13.95%	2.04%	18.26%	9.32%	+342 bps