Lewis Engineering Employees

Naugatuck, CT · Charter 65916

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Naugatuck, CT · Charter 65916

Q2 1999

$206KAssets

$148KLoans

$173KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.22%+50 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.63%	1.73%	1.97%	1.72%	2.39%	2.41%	2.85%	2.22%	+50 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	0.71%	-1.51%	-4.64%	-4.20%	-0.59%	-4.90%	-11.59%	-694 bps
Loan Growth (YoY)	n/a	2.65%	9.01%	-5.27%	21.63%	74.69%	87.56%	95.50%	+10,077 bps
Share Growth (YoY)	n/a	2.28%	-2.20%	-5.58%	-5.34%	-1.72%	-7.64%	-15.75%	-1,017 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	1.09%	1.12%	0.71%	0.00%	0.00%	6.00%	+488 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	1.83%	1.35%	2.25%	3.27%	3.27%	2.54%	2.67%	2.79%	-48 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	40.97%	38.79%	43.57%	36.84%	52.64%	68.95%	88.48%	85.49%	+4,865 bps
Liquid Assets / Assets	57.80%	59.66%	53.44%	67.19%	44.63%	33.81%	20.10%	24.80%	-4,239 bps