Faultless Rubber

Ashland, OH · Charter 15667

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Ashland, OH · Charter 15667

Q2 1998

$1.6MAssets

$742KLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.14%-92 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.20%	3.15%	-1.05%	5.06%	4.89%	3.84%	4.23%	4.14%	-92 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	n/a	n/a	-12.00%	-6.13%	-9.77%	-1.42%	-1.33%	+1,068 bps
Loan Growth (YoY)	n/a	n/a	n/a	-46.68%	-39.79%	-27.34%	-12.40%	-4.18%	+4,251 bps
Share Growth (YoY)	n/a	n/a	n/a	-2.38%	5.95%	-5.98%	-3.38%	-2.80%	-43 bps
Asset Quality
Delinquent Loans / Loans	10.26%	10.74%	7.50%	4.67%	6.10%	6.96%	6.57%	5.57%	+90 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	0.57%	0.20%	0.12%	1.93%	2.37%	2.72%	1.66%	1.11%	-83 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	101.31%	76.47%	64.13%	55.49%	57.57%	59.10%	58.14%	54.71%	-78 bps
Liquid Assets / Assets	5.92%	22.12%	35.60%	41.08%	43.35%	48.95%	42.90%	52.06%	+1,098 bps