Holyoke Municipal Employees

Holyoke, MA · Charter 67654

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Holyoke, MA · Charter 67654

Q4 1996

$24.6MAssets

$16.6MLoans

$21.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.28%+154 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.75%	3.34%	3.61%	4.05%	4.28%	+154 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	39.45%	42.45%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	69.93%	55.01%	n/a
Share Growth (YoY)	n/a	n/a	n/a	41.08%	42.19%	n/a
Asset Quality
Delinquent Loans / Loans	0.51%	0.11%	0.78%	0.63%	0.61%	+10 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.76%	0.77%	1.05%	1.07%	1.07%	+31 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	69.57%	65.03%	70.97%	67.71%	75.85%	+627 bps
Liquid Assets / Assets	16.44%	19.41%	19.38%	17.59%	15.89%	-56 bps