Belknap County Federal Employees

Laconia, NH · Charter 65718

Q4 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: Q4 1997, the quarter ended December 31, 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.

Laconia, NH · Charter 65718

Q4 1997

$322KAssets

$196KLoans

$252KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.97%+53 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	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.72%	4.07%	3.72%	3.43%	3.36%	3.33%	2.61%	3.97%	+53 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	n/a	-19.38%	-20.88%	-10.46%	-5.15%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-31.99%	-43.40%	-45.01%	-34.26%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-23.35%	-24.95%	-12.40%	-6.56%	n/a
Asset Quality
Delinquent Loans / Loans	0.94%	3.01%	3.20%	1.38%	5.00%	3.35%	2.59%	0.00%	-138 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	1.75%	1.58%	1.80%	2.33%	3.10%	3.49%	4.08%	3.68%	+135 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	96.51%	106.31%	107.47%	110.36%	85.64%	80.18%	67.46%	77.65%	-3,271 bps
Liquid Assets / Assets	0.00%	0.00%	0.93%	1.01%	15.13%	24.97%	47.88%	40.44%	+3,943 bps