University of Massachusetts Student

Amherst, MA · Charter 21949

Q2 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: Q2 1996, the quarter ended June 30, 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.

Amherst, MA · Charter 21949

Q2 1996

$817KAssets

$311KLoans

$780KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.42%-313 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	YoY Δ	Trend
Earnings
Return on Assets	2.71%	1.90%	1.13%	0.28%	-0.42%	-313 bps
Return on Equity	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
Efficiency Ratio	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	63.55%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	64.76%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	71.71%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.01%	2.38%	8.93%	6.97%	11.84%	+1,183 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.46%	1.76%	2.30%	3.62%	4.59%	+213 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	41.61%	51.19%	70.86%	50.21%	39.92%	-168 bps
Liquid Assets / Assets	34.11%	46.56%	27.73%	45.11%	41.03%	+692 bps