Universal Wire Division Employees

Clinton, CT · Charter 66045

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.

Clinton, CT · Charter 66045

Q2 1999

$172KAssets

$57KLoans

$152KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.27%-290 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	2.88%	3.35%	3.04%	3.17%	3.45%	4.20%	3.42%	0.27%	-290 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	30.56%	-7.34%	1.02%	12.50%	22.27%	60.60%	39.60%	+3,858 bps
Loan Growth (YoY)	n/a	47.42%	14.24%	17.97%	39.47%	20.96%	10.94%	37.04%	+1,907 bps
Share Growth (YoY)	n/a	37.27%	-9.56%	0.40%	13.12%	23.55%	67.34%	41.97%	+4,157 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.33%	4.52%	+452 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	0.54%	0.54%	3.27%	3.83%	2.51%	2.84%	2.95%	4.16%	+33 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	44.78%	43.80%	54.51%	39.10%	55.22%	42.89%	36.13%	37.74%	-136 bps
Liquid Assets / Assets	40.86%	41.08%	47.68%	41.77%	39.06%	35.52%	31.00%	31.80%	-997 bps