G & D Employees

Kensington, CT · Charter 66052

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.

Kensington, CT · Charter 66052

Q2 1999

$143KAssets

$72KLoans

$118KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.83%+201 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	4.19%	4.37%	3.59%	1.82%	2.44%	3.27%	3.15%	3.83%	+201 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	4.89%	1.88%	-3.44%	9.90%	9.39%	9.72%	-4.28%	-84 bps
Loan Growth (YoY)	n/a	-23.25%	-18.03%	-39.38%	-8.68%	26.31%	20.01%	37.26%	+7,665 bps
Share Growth (YoY)	n/a	3.42%	-0.70%	-4.29%	11.74%	11.24%	10.94%	-6.76%	-246 bps
Asset Quality
Delinquent Loans / Loans	6.33%	3.27%	0.00%	2.97%	1.47%	2.35%	2.01%	5.72%	+274 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	3.55%	5.02%	2.79%	3.20%	3.32%	3.68%	4.31%	5.05%	+186 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	60.21%	50.19%	50.57%	41.39%	49.20%	56.99%	54.71%	60.94%	+1,954 bps
Liquid Assets / Assets	38.26%	32.01%	33.73%	32.90%	32.04%	32.32%	2.47%	37.81%	+492 bps