Maine Turnpike

Portland, ME · Charter 61389

Q4 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: Q4 1996, the quarter ended December 31, 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.

Portland, ME · Charter 61389

Q4 1996

$1.5MAssets

$798KLoans

$1.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.23%+65 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	YoY Δ	Trend
Earnings
Return on Assets	2.58%	1.48%	2.22%	2.87%	3.23%	+65 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	3.10%	3.37%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	16.04%	2.20%	n/a
Share Growth (YoY)	n/a	n/a	n/a	4.72%	4.41%	n/a
Asset Quality
Delinquent Loans / Loans	0.14%	0.69%	0.68%	0.98%	0.99%	+86 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.36%	1.29%	1.34%	1.36%	1.42%	+6 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	58.60%	58.16%	60.24%	54.32%	57.36%	-124 bps
Liquid Assets / Assets	41.82%	41.43%	42.59%	47.69%	44.33%	+252 bps