Charlton Memorial Hospital

Fall River, MA · Charter 24014

Q4 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: Q4 1997, the quarter ended December 31, 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.

Fall River, MA · Charter 24014

Q4 1997

$1.6MAssets

$1.1MLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.19%-58 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.76%	2.97%	2.53%	2.77%	2.31%	2.59%	1.98%	2.19%	-58 bps
Return on Equity	n/a	n/a	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	n/a	n/a
Efficiency Ratio	n/a	n/a	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	-3.27%	-6.99%	-3.85%	-2.23%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	38.59%	7.07%	-9.38%	-4.17%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.45%	-11.17%	-4.73%	-2.92%	n/a
Asset Quality
Delinquent Loans / Loans	1.50%	2.64%	1.59%	2.19%	1.72%	4.19%	3.24%	2.81%	+62 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.35%	2.25%	2.09%	2.23%	2.08%	1.72%	1.81%	1.09%	-114 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	43.67%	67.42%	66.90%	74.24%	62.69%	81.26%	63.63%	73.28%	-95 bps
Liquid Assets / Assets	34.47%	32.22%	29.20%	21.59%	39.01%	27.98%	34.39%	24.39%	+280 bps