"Waterbury, CT Waterbury, CT Banking Market",,,,,,,,,,,,
(For Commercial Banking and Thrift Organizations 6/30/05),,,,,,,,,,,,


NOTE: The table is based on 6/30/05 FDIC & OTS Summary of Deposits data (dollars in millions).  It reflects all mergers and bank holding company aqcuisitions completed by 3/31/06,,,,,,,,,,,,
"Holding Companies with at least one commercial bank subsidiary are always considered commercial banking organizations, even in markets where only their thrift(s) operate.",,,,,,,,,,,,

100% THRIFT WEIGHT,,,,,,50% THRIFT WEIGHT,,,,,,

Total Deposits,"$5,454.71 ",,,,,Total Deposits,"$4,762.98 ",,,,,

HERFINDAHL-HIRSCHMAN INDEX:,2862.2922,,,,,HERFINDAHL-HIRSCHMAN INDEX:,3644.6926,,,,,


Rank,Name,City,State,Deposits,Share,Rank,Deposits,Share,,,,
1,WEBSTER FINANCIAL CORPORATION,WATERBURY,CT,"$2,749.10",50.4,1,"$2,749.10",57.72,,,,
2,WACHOVIA CORPORATION,CHARLOTTE,NC,$570.22,10.45,2,$570.22,11.97
3,"TORONTO-DOMINION BANK, THE",TORONTO,,$504.15,9.24,3,$504.15,10.58
4,NAUGATUCK SAVINGS BANK,NAUGATUCK,CT,$380.55,6.98,4,$190.28,3.99
5,THOMASTON SAVINGS BANK,THOMASTON,CT,$251.37,4.61,5,$125.68,2.64
6,PEOPLE'S MUTUAL HOLDINGS,BRIDGEPORT,CT,$241.77,4.43,6,$120.88,2.54
7,BANK OF AMERICA CORPORATION,CHARLOTTE,NC,$218.46,4,7,$218.46,4.59
8,NUTMEG FINANCIAL MHC,NAUGATUCK,CT,$159.13,2.92,8,$79.56,1.67
9,SOVEREIGN BANCORP,WYOMISSING,PA,$139.36,2.55,9,$69.68,1.46
10,NEWTOWN SAVINGS BANK,NEWTOWN,CT,$131.74,2.42,10,$65.87,1.38
11,"NEWMIL BANCORP, INC.",NEW MILFORD,CT,$41.46,0.76,11,$20.73,0.44
12,"ROYAL BANK OF SCOTLAND GROUP PLC, THE",EDINBURGH,,$29.34,0.54,12,$29.34,0.62
13,CONNECTICUT MUTUAL HOLDING COMPANY,WINSTED,CT,$21.13,0.39,13,$10.57,0.22
14,UNION SAVINGS BANK,DANBURY,CT,$8.81,0.16,14,$4.40,0.09
15,SAVINGS BANK OF DANBURY,DANBURY,CT,$8.12,0.15,15,$4.06,0.09