Sandvik Milford Employees

Branford, CT · Charter 8806

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Branford, CT · Charter 8806

Q2 2000

$773KAssets

$0KLoans

$497KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.94%-131 bps YoY

Net Interest Margin (YTD, annualized)

4.30%

Efficiency Ratio (YTD, annualized)

78.66%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.25%	2.36%	1.69%	0.57%	0.94%	-131 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	3.36%	4.30%	n/a
Efficiency Ratio	n/a	n/a	n/a	83.50%	78.66%	n/a
Growth
Asset Growth (YoY)	-8.29%	-6.02%	-4.68%	3.86%	15.17%	+2,347 bps
Loan Growth (YoY)	-3.61%	-19.20%	-36.32%	-52.92%	-100.00%	-9,639 bps
Share Growth (YoY)	-15.99%	-12.52%	-10.13%	4.54%	22.61%	+3,860 bps
Asset Quality
Delinquent Loans / Loans	0.22%	0.00%	0.26%	1.41%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.05%	2.28%	2.91%	2.10%	n/a	n/a
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	38.53%	35.23%	27.12%	18.61%	0.00%	-3,853 bps
Liquid Assets / Assets	71.57%	73.78%	72.83%	73.37%	0.00%	-7,157 bps