P C Columbus

Columbus, OH · Charter 1266

Q2 1997

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 1997, the quarter ended June 30, 1997, 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 1266

Q2 1997

$1.8MAssets

$940KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.51%-111 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.54%	3.19%	3.61%	3.07%	2.48%	2.46%	2.51%	-111 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-6.12%	-7.19%	-6.10%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.58%	10.62%	3.97%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-9.50%	-10.52%	-6.75%	n/a
Asset Quality
Delinquent Loans / Loans	1.04%	3.15%	1.87%	1.81%	1.48%	2.38%	4.04%	+217 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.72%	2.53%	2.71%	2.25%	1.85%	1.75%	1.97%	-74 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	60.80%	64.12%	65.56%	74.04%	71.61%	79.27%	73.10%	+754 bps
Liquid Assets / Assets	52.04%	49.61%	49.69%	42.61%	37.64%	33.83%	29.46%	-2,023 bps