Glass Employees

Dayville, CT · Charter 23602

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Dayville, CT · Charter 23602

Q2 1997

$829KAssets

$728KLoans

$764KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-9.45%-1,292 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.48%	3.79%	4.86%	4.24%	-9.45%	-1,292 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	17.83%	9.21%	-23.91%	n/a
Loan Growth (YoY)	n/a	n/a	21.97%	2.40%	-17.56%	n/a
Share Growth (YoY)	n/a	n/a	17.77%	14.83%	-22.09%	n/a
Asset Quality
Delinquent Loans / Loans	1.86%	0.61%	2.23%	2.28%	5.11%	+325 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.76%	1.72%	1.67%	1.69%	4.57%	+282 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	89.99%	88.79%	89.30%	97.24%	95.23%	+524 bps
Liquid Assets / Assets	12.84%	18.23%	15.27%	13.51%	12.58%	-25 bps