Dairy Industry

North Haven, CT · Charter 60065

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.

North Haven, CT · Charter 60065

Q2 1999

$617KAssets

$109KLoans

$553KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.28%-98 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	5.11%	4.58%	3.32%	4.26%	3.78%	3.99%	3.61%	3.28%	-98 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	-14.95%	-8.83%	-9.29%	2.65%	2.45%	-2.81%	-3.00%	+629 bps
Loan Growth (YoY)	n/a	27.38%	0.01%	-15.27%	-1.09%	7.32%	-3.26%	-11.03%	+425 bps
Share Growth (YoY)	n/a	-17.49%	-9.61%	-8.45%	4.29%	3.04%	-2.49%	-2.44%	+601 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	2.06%	2.15%	1.91%	1.16%	0.00%	0.00%	-215 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	13.73%	13.64%	15.38%	13.45%	13.68%	0.50%	0.81%	1.27%	-1,218 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	22.88%	25.03%	23.14%	21.63%	21.70%	26.08%	22.96%	19.73%	-190 bps
Liquid Assets / Assets	79.49%	79.76%	81.57%	81.35%	82.37%	75.05%	78.57%	65.90%	-1,545 bps