Greylock

Pittsfield, MA · Charter 65596

Q3 1995

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: Q3 1995, the quarter ended September 30, 1995, 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.

Pittsfield, MA · Charter 65596

Q3 1995

$277.4MAssets

$186.2MLoans

$245.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.41%+34 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	Q1 1994	Q2 1994	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	YoY Δ	Trend
Earnings
Return on Assets	3.98%	3.99%	4.08%	4.20%	4.35%	4.44%	4.41%	+34 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	-2.97%	-1.24%	1.35%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	30.22%	31.11%	29.44%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-3.70%	-2.27%	-0.28%	n/a
Asset Quality
Delinquent Loans / Loans	0.34%	0.30%	0.29%	0.06%	0.14%	0.20%	0.29%	+1 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	1.06%	0.98%	1.01%	0.96%	0.98%	0.94%	1.00%	-1 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	49.83%	53.82%	58.52%	63.95%	67.38%	72.19%	75.97%	+1,744 bps
Liquid Assets / Assets	20.73%	20.72%	18.42%	17.11%	18.70%	20.23%	14.71%	-370 bps