Millbury

Millbury, MA · Charter 66368

Q1 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: Q1 1995, the quarter ended March 31, 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.

Millbury, MA · Charter 66368

Q1 1995

$75.1MAssets

$32.4MLoans

$68.8MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.91%+12 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	YoY Δ	Trend
Earnings
Return on Assets	3.79%	3.83%	3.81%	3.88%	3.91%	+12 bps
Return on Equity	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
Efficiency Ratio	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	0.24%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	5.59%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-0.62%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.58%	1.49%	1.34%	0.82%	0.03%	-155 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.36%	1.40%	1.37%	1.26%	1.20%	-16 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	44.27%	43.76%	43.88%	46.52%	47.04%	+277 bps
Liquid Assets / Assets	21.16%	20.98%	20.62%	15.90%	20.48%	-67 bps