Citizens Savings Bank Company, The

Pemberville, OH · Cert 11096

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Pemberville, OH · Cert 11096

FDIC

Q1 2001

$95.4MAssets

$73.2MLoans

$75.7MDeposits

$7.3MEquity

Loan mix

Deposit mix

Earnings: ROA of 1.12%, up 15 bps year over year; NIM at 3.93%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 96.58% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.12%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.93%

n/a

Efficiency Ratio (YTD, annualized)

59.01%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.15%	1.15%	0.98%	0.96%	1.05%	1.06%	1.05%	1.12%	+15 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	3.93%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	59.01%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	2.10%	n/a	n/a
Growth
Asset Growth (YoY)	20.29%	19.61%	8.96%	10.76%	5.79%	9.98%	8.59%	9.50%	-126 bps
Loan Growth (YoY)	27.08%	28.73%	26.78%	23.40%	14.18%	12.63%	12.45%	11.36%	-1,204 bps
Deposit Growth (YoY)	20.73%	18.73%	4.07%	8.62%	2.10%	4.12%	4.53%	5.22%	-340 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	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	0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.25%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.97%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.63%	n/a	n/a
Liquidity & Funding
Loans / Deposits	83.53%	88.26%	91.61%	91.25%	93.42%	95.47%	98.55%	96.58%	+533 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a