St. Marks Presby

Cleveland, OH · Charter 14848

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Cleveland, OH · Charter 14848

Q2 1999

$396KAssets

$80KLoans

$342KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.13%-73 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	3.52%	3.39%	3.57%	2.86%	3.32%	3.68%	3.45%	2.13%	-73 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	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	n/a
Growth
Asset Growth (YoY)	n/a	7.99%	3.09%	12.16%	0.63%	2.43%	3.41%	-0.98%	-1,314 bps
Loan Growth (YoY)	n/a	-24.33%	-20.15%	-26.57%	-1.18%	3.25%	-8.56%	-2.22%	+2,435 bps
Share Growth (YoY)	n/a	6.01%	3.29%	12.54%	-2.04%	-1.51%	-2.68%	-5.09%	-1,764 bps
Asset Quality
Delinquent Loans / Loans	5.71%	6.52%	9.78%	9.08%	16.95%	3.26%	5.09%	5.54%	-354 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	4.57%	5.17%	4.55%	0.03%	0.42%	0.45%	0.45%	0.50%	+47 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	30.05%	25.59%	29.16%	22.80%	30.32%	26.83%	27.40%	23.49%	+69 bps
Liquid Assets / Assets	70.21%	63.36%	67.39%	77.25%	70.27%	55.06%	52.91%	49.04%	-2,821 bps