New Haven Newspaper Employees

New Haven, CT · Charter 60411

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.

New Haven, CT · Charter 60411

Q2 1996

$1.7MAssets

$695KLoans

$1.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.22%+93 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	3.29%	4.01%	3.93%	4.33%	4.22%	+93 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	0.86%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	25.59%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	7.85%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	3.49%	4.52%	3.09%	4.38%	1.85%	-164 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	6.40%	6.52%	5.28%	4.89%	3.59%	-281 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	35.45%	40.90%	45.76%	46.79%	41.28%	+583 bps
Liquid Assets / Assets	28.29%	26.72%	5.62%	13.57%	42.25%	+1,397 bps