Equitable

Pawtucket, RI · Charter 60557

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.

Pawtucket, RI · Charter 60557

Q2 1996

$12.9MAssets

$7.3MLoans

$12.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.80%-9 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	3.89%	4.15%	4.02%	3.64%	3.80%	-9 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	-6.60%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-6.22%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-5.49%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	11.10%	5.59%	5.32%	4.20%	10.32%	-78 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.51%	2.96%	2.86%	2.63%	2.13%	-138 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	59.04%	66.84%	61.61%	56.80%	58.58%	-46 bps
Liquid Assets / Assets	34.87%	29.25%	32.73%	39.18%	6.24%	-2,863 bps