West Indian

Hartford,, CT · Charter 67961

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Hartford,, CT · Charter 67961

Q4 1998

$71KAssets

$5KLoans

$61KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.64%+82 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 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	-0.18%	-2.80%	0.14%	2.79%	0.64%	+82 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)	8.46%	9.07%	27.71%	7.61%	11.90%	+344 bps
Loan Growth (YoY)	149.55%	170.83%	702%	-28.87%	-64.99%	-21,454 bps
Share Growth (YoY)	6.23%	7.40%	28.32%	5.44%	9.34%	+310 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	2.42%	3.65%	5.25%	+525 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	26.79%	19.23%	17.72%	13.79%	8.58%	-1,821 bps
Liquid Assets / Assets	55.71%	70.99%	76.54%	72.34%	66.94%	+1,124 bps