Nielsen Tool & Die Emp

Hartford, CT · Charter 60092

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.

Hartford, CT · Charter 60092

Q2 1999

$129KAssets

$56KLoans

$105KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.61%+154 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	2.07%	1.78%	1.39%	1.07%	1.12%	1.35%	1.67%	2.61%	+154 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	-40.11%	-27.99%	11.72%	1.84%	40.55%	38.62%	15.28%	+356 bps
Loan Growth (YoY)	n/a	-39.38%	-7.29%	3.43%	8.55%	47.19%	-2.25%	12.39%	+896 bps
Share Growth (YoY)	n/a	-46.25%	-33.43%	16.73%	3.60%	56.92%	50.55%	18.41%	+168 bps
Asset Quality
Delinquent Loans / Loans	6.08%	0.00%	0.00%	14.02%	21.11%	17.31%	5.58%	0.56%	-1,346 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	22.63%	18.15%	12.72%	13.33%	14.75%	12.33%	8.94%	8.15%	-518 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	44.26%	55.48%	68.35%	55.96%	46.38%	52.04%	44.38%	53.11%	-285 bps
Liquid Assets / Assets	39.62%	52.52%	36.35%	32.86%	31.76%	58.82%	65.49%	59.42%	+2,657 bps