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Letter portraitLegal landscapeQuarterYTD

Glouster Community Bank, The

Lancaster, OH · Cert 16317

FDIC

Q2 2007

$110.7MAssets
$64.8MLoans
$88.9MDeposits
$6.4MEquity
Loan mix
90%RE $51.6M9%C&I $5.3M1%Consumer $0.6MQ2 2006Q2 2007
Deposit mix
91%Interest-bearing $80.8M9%Noninterest $8.0MQ2 2006Q2 2007

NIM

5.35%Q2 ’056.02%Q2 ’066.29%Q2 ’07-5%-8%

Non-interest income vs. expense

2.88%Q2 ’053.50%Q2 ’063.00%Q2 ’07+22%-15%

Executive Summary

  • Earnings: ROA of 0.02%, up 76 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.21%.
  • Funding: loans stand at 72.97% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

0.02%+76 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-23 bps YoY

Efficiency Ratio (YTD, annualized)

95.84%-632 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets-0.74%-0.90%-0.70%0.01%0.02%+76 bps
Return on Equity-12.32%-15.09%-11.72%0.23%0.30%+1,262 bps
Net Interest Margin2.73%2.76%2.77%2.50%2.51%-23 bps
Efficiency Ratio102.16%99.65%94.28%97.54%95.84%-632 bps
Non-Interest Burden2.81%2.75%2.57%2.42%2.38%-43 bps
Growth
Asset Growth (YoY)-5.61%-3.69%-8.03%-6.05%-4.07%+154 bps
Loan Growth (YoY)8.24%4.31%-6.27%-11.40%-15.17%-2,341 bps
Deposit Growth (YoY)-8.67%4.83%3.28%5.77%3.96%+1,263 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.01%0.65%1.73%0.16%1.21%+20 bps
Allowance / Loans0.91%1.75%1.05%1.16%0.74%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.83%10.75%11.03%11.40%11.27%+44 bps
Equity / Assets5.82%5.85%6.15%6.09%5.80%-3 bps
Liquidity & Funding
Loans / Deposits89.42%82.13%82.30%78.63%72.97%-1,645 bps
Liquid Assets / Assets0.09%0.07%0.14%0.08%0.06%-3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a