Columbus Ohio Teachers

Columbus, OH · Charter 1083

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.

Columbus, OH · Charter 1083

Q2 2000

$50.7MAssets

$34.8MLoans

$42.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.06%-255 bps YoY

Net Interest Margin (YTD, annualized)

4.88%

Efficiency Ratio (YTD, annualized)

75.88%

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	3.61%	3.53%	3.54%	0.71%	1.06%	-255 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	4.73%	4.88%	n/a
Efficiency Ratio	n/a	n/a	n/a	79.52%	75.88%	n/a
Growth
Asset Growth (YoY)	8.26%	9.95%	11.39%	14.33%	10.47%	+221 bps
Loan Growth (YoY)	0.46%	1.47%	1.26%	12.06%	15.34%	+1,488 bps
Share Growth (YoY)	8.78%	11.33%	12.58%	16.21%	10.74%	+197 bps
Asset Quality
Delinquent Loans / Loans	1.53%	1.07%	0.91%	0.60%	0.52%	-101 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.41%	1.29%	1.33%	1.21%	1.15%	-27 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	78.77%	81.66%	76.41%	84.03%	82.04%	+327 bps
Liquid Assets / Assets	17.88%	14.70%	13.05%	9.75%	9.45%	-843 bps