American Chapels

Boston, MA · Charter 68024

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.

Boston, MA · Charter 68024

Q2 1999

$986KAssets

$667KLoans

$864KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-5.70%-767 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	2.72%	2.33%	2.90%	1.96%	2.06%	1.76%	1.76%	-5.70%	-767 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	-24.73%	-18.29%	-6.01%	0.56%	1.13%	5.04%	-4.16%	+185 bps
Loan Growth (YoY)	n/a	-1.89%	-9.83%	-17.29%	-18.75%	-8.03%	-8.29%	2.91%	+2,020 bps
Share Growth (YoY)	n/a	-28.54%	-22.18%	-7.57%	0.19%	0.85%	6.63%	-0.53%	+705 bps
Asset Quality
Delinquent Loans / Loans	2.78%	4.19%	4.43%	1.33%	2.95%	2.83%	2.88%	3.62%	+229 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	1.44%	1.45%	1.50%	1.21%	1.45%	1.46%	1.18%	2.27%	+106 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	90.53%	88.41%	94.82%	74.65%	73.42%	80.62%	81.55%	77.23%	+258 bps
Liquid Assets / Assets	15.00%	22.15%	8.01%	17.96%	21.42%	23.66%	13.51%	24.04%	+608 bps