Capitol City

Hartford, CT · Charter 21735

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Hartford, CT · Charter 21735

Q2 2001

$3.7MAssets

$1.7MLoans

$3.3MShares

$382KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.26%-301 bps YoY

Net Interest Margin (YTD, annualized)

4.38%

Efficiency Ratio (YTD, annualized)

82.29%

Net Worth / Assets

10.25%

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	3.27%	0.32%	0.34%	0.27%	0.26%	-301 bps
Return on Equity	n/a	n/a	n/a	2.55%	2.56%	n/a
Net Interest Margin	n/a	4.58%	3.94%	4.29%	4.38%	n/a
Efficiency Ratio	n/a	79.12%	80.30%	76.19%	82.29%	n/a
Growth
Asset Growth (YoY)	9.75%	10.12%	22.85%	15.97%	16.01%	+626 bps
Loan Growth (YoY)	29.81%	17.03%	15.53%	28.79%	18.24%	-1,158 bps
Share Growth (YoY)	8.20%	9.22%	24.92%	17.29%	17.47%	+927 bps
Asset Quality
Delinquent Loans / Loans	6.23%	4.46%	6.06%	5.58%	8.87%	+264 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.04%	2.47%	2.28%	2.15%	3.01%	+97 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	10.59%	10.25%	n/a
Net Worth / Assets	n/a	n/a	n/a	10.59%	10.25%	n/a
Liquidity & Funding
Loans / Shares	52.42%	52.48%	48.06%	57.39%	52.76%	+34 bps
Liquid Assets / Assets	20.62%	11.37%	0.18%	13.56%	35.53%	+1,491 bps