Triangle

Nashua, NH · Charter 3433

Q3 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: Q3 1996, the quarter ended September 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.

Nashua, NH · Charter 3433

Q3 1996

$83.2MAssets

$57.3MLoans

$74.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

n/a

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	Q1 1995	Q2 1995	Q3 1995	Q4 1995	Q1 1996	Q2 1996	Q3 1996	YoY Δ	Trend
Earnings
Return on Assets	4.10%	4.32%	4.47%	4.53%	4.70%	4.94%	4.87%	n/a	n/a
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	3.59%	3.67%	6.50%	9.63%	10.06%	10.15%	6.74%	+24 bps
Loan Growth (YoY)	n/a	11.09%	8.12%	4.94%	5.10%	5.95%	11.96%	13.56%	+863 bps
Share Growth (YoY)	n/a	2.43%	2.21%	5.39%	8.59%	9.65%	8.92%	6.18%	+79 bps
Asset Quality
Delinquent Loans / Loans	0.23%	0.39%	0.49%	0.41%	0.50%	0.38%	0.26%	0.15%	-26 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	0.51%	0.49%	0.49%	0.50%	0.47%	0.42%	0.44%	0.37%	-13 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	75.28%	74.83%	73.74%	71.74%	72.86%	72.30%	75.79%	76.73%	+499 bps
Liquid Assets / Assets	15.97%	16.95%	17.72%	17.27%	15.45%	12.58%	10.12%	11.58%	-569 bps