Clairol Employees

Stamford, CT · Charter 21234

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.

Stamford, CT · Charter 21234

Q4 1996

$3.6MAssets

$1.4MLoans

$3.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.90%-75 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	2.56%	2.65%	2.20%	2.18%	1.88%	1.90%	-75 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	-5.07%	-3.55%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-21.89%	-32.01%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-6.16%	-4.22%	n/a
Asset Quality
Delinquent Loans / Loans	2.63%	2.05%	0.38%	0.74%	0.19%	0.39%	-166 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.57%	2.31%	1.27%	1.46%	1.42%	1.94%	-37 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	50.79%	57.80%	52.65%	53.44%	42.27%	41.03%	-1,677 bps
Liquid Assets / Assets	37.83%	17.21%	39.21%	47.17%	57.47%	56.16%	+3,895 bps