Boston Texaco Employees

Providence, RI · Charter 509

Q2 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: Q2 1996, the quarter ended June 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.

Providence, RI · Charter 509

Q2 1996

$763KAssets

$624KLoans

$701KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.61%-229 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	YoY Δ	Trend
Earnings
Return on Assets	2.90%	2.62%	3.83%	3.83%	0.61%	-229 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	n/a	-15.97%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	5.66%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-14.80%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.56%	0.85%	1.46%	8.35%	5.95%	+539 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.34%	0.69%	1.39%	1.79%	0.14%	-20 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	71.76%	104.04%	92.52%	90.86%	88.98%	+1,723 bps
Liquid Assets / Assets	15.93%	10.60%	11.37%	13.99%	14.87%	-106 bps