Central Mutual

Bloomfield, CT · Charter 60939

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.

Bloomfield, CT · Charter 60939

Q2 1998

$58KAssets

$31KLoans

$49KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-1.34%+141 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	-6.23%	0.06%	0.80%	-2.74%	1.12%	-1.87%	2.41%	-1.34%	+141 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	-10.68%	-26.25%	-28.38%	-29.06%	-26.39%	-1,571 bps
Loan Growth (YoY)	n/a	n/a	n/a	-18.09%	-12.90%	-32.18%	-47.89%	-38.02%	-1,994 bps
Share Growth (YoY)	n/a	n/a	n/a	-3.73%	-30.38%	-32.81%	-32.71%	-29.94%	-2,621 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	1.52%	11.15%	0.00%	2.67%	12.38%	20.59%	+944 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	1.34%	3.07%	3.12%	6.29%	7.65%	12.29%	13.99%	16.01%	+972 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	70.22%	62.97%	86.93%	71.34%	87.85%	63.56%	67.33%	63.11%	-823 bps
Liquid Assets / Assets	0.00%	32.31%	20.71%	23.91%	26.20%	51.13%	47.64%	50.16%	+2,625 bps