Bristol Group

Bristol, CT · Charter 4941

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Bristol, CT · Charter 4941

Q2 1999

$15.9MAssets

$12.4MLoans

$15.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.61%-34 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.30%	3.25%	2.99%	2.95%	2.90%	2.73%	2.90%	2.61%	-34 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	3.06%	-1.55%	0.85%	-0.10%	-0.91%	7.64%	8.45%	+760 bps
Loan Growth (YoY)	n/a	23.78%	21.33%	11.57%	-0.03%	-1.76%	3.79%	11.51%	-6 bps
Share Growth (YoY)	n/a	0.60%	-2.97%	0.19%	-0.45%	-0.95%	7.47%	8.86%	+867 bps
Asset Quality
Delinquent Loans / Loans	2.36%	2.23%	1.76%	1.72%	1.10%	1.55%	1.56%	1.24%	-48 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	1.54%	0.97%	1.48%	1.05%	0.91%	1.04%	0.94%	0.94%	-11 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	81.00%	80.00%	84.48%	78.96%	81.34%	79.35%	81.59%	80.88%	+192 bps
Liquid Assets / Assets	13.32%	9.58%	10.45%	15.46%	14.18%	16.50%	13.11%	16.38%	+92 bps