Fort Trumbull

New London, CT · Charter 24126

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.

New London, CT · Charter 24126

Q4 1996

$6.6MAssets

$20KLoans

$0KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.44%+136 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.09%	2.89%	3.01%	3.13%	3.44%	+136 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	-24.32%	-44.44%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	-9.20%	-99.37%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-26.98%	-100.00%	n/a
Asset Quality
Delinquent Loans / Loans	2.49%	2.27%	1.15%	0.25%	0.00%	-249 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.43%	2.66%	2.35%	1.50%	241%	+23,846 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	28.71%	30.78%	31.36%	29.52%	n/a	n/a
Liquid Assets / Assets	44.83%	53.71%	57.51%	61.59%	51.19%	+636 bps