Heublein Employees

Hartford, CT · Charter 60595

Q2 1998

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 1998, the quarter ended June 30, 1998, 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 60595

Q2 1998

$2.3MAssets

$481KLoans

$1.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.82%-23 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.36%	4.45%	4.30%	3.05%	3.26%	3.21%	3.64%	2.82%	-23 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	n/a	n/a	-30.76%	-30.57%	-9.79%	-12.19%	-17.52%	+1,325 bps
Loan Growth (YoY)	n/a	n/a	n/a	-14.29%	0.89%	-2.35%	1.91%	-33.50%	-1,921 bps
Share Growth (YoY)	n/a	n/a	n/a	-36.03%	-36.10%	-13.29%	-16.56%	-22.82%	+1,321 bps
Asset Quality
Delinquent Loans / Loans	1.30%	1.64%	1.60%	1.13%	1.54%	1.59%	1.34%	0.84%	-29 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	1.48%	1.53%	1.68%	1.50%	0.68%	0.77%	0.47%	0.86%	-63 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	24.01%	28.45%	30.34%	31.04%	37.91%	32.04%	37.05%	26.75%	-429 bps
Liquid Assets / Assets	2.60%	7.10%	21.40%	50.91%	3.27%	23.58%	6.83%	76.36%	+2,545 bps