Walnut Mutual Benefit Association

West Hartford, CT · Charter 61479

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

West Hartford, CT · Charter 61479

Q2 1997

$215KAssets

$54KLoans

$64KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.72%-98 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.75%	1.11%	1.71%	-3.29%	0.19%	1.32%	0.72%	-98 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-36.57%	-36.20%	-36.41%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-55.73%	-66.48%	-71.61%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-57.45%	-53.73%	-60.66%	n/a
Asset Quality
Delinquent Loans / Loans	2.97%	21.69%	7.05%	14.36%	27.63%	58.67%	69.24%	+6,218 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.79%	1.92%	2.33%	11.99%	17.81%	33.35%	42.59%	+4,026 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	113.72%	122.56%	116.09%	131.41%	118.33%	88.78%	83.77%	-3,232 bps
Liquid Assets / Assets	32.79%	0.00%	37.88%	41.78%	64.00%	72.50%	77.88%	+4,000 bps