Southwest Area Christian

Berea, OH · Charter 16829

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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.

Berea, OH · Charter 16829

Q4 2000

$1.0MAssets

$503KLoans

$866KShares

$150KNet Worth

Return on Assets (YTD, annualized)

1.38%-176 bps YoY

Net Interest Margin (YTD, annualized)

4.90%

Efficiency Ratio (YTD, annualized)

83.21%

Net Worth / Assets

15.04%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	2.65%	2.84%	3.08%	3.14%	2.36%	0.30%	0.89%	1.38%	-176 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.16%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.50%	4.27%	4.90%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	93.49%	80.00%	83.21%	n/a
Growth
Asset Growth (YoY)	-6.02%	-9.45%	-7.24%	-9.98%	-7.48%	-10.85%	-6.50%	-17.57%	-758 bps
Loan Growth (YoY)	-1.38%	-5.07%	-3.20%	-16.82%	-31.09%	-27.51%	-30.33%	-28.43%	-1,160 bps
Share Growth (YoY)	-8.14%	-11.55%	-9.33%	-12.18%	-9.38%	-13.00%	-5.05%	-19.75%	-756 bps
Asset Quality
Delinquent Loans / Loans	5.13%	4.43%	9.72%	7.89%	11.77%	4.49%	3.39%	6.88%	-101 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	2.09%	2.06%	2.19%	2.55%	3.12%	2.94%	2.45%	1.76%	-79 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	15.04%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	15.04%	n/a	n/a
Liquidity & Funding
Loans / Shares	69.00%	70.33%	71.87%	65.15%	52.47%	58.60%	52.74%	58.10%	-705 bps
Liquid Assets / Assets	32.48%	18.31%	15.57%	40.43%	51.39%	0.42%	0.43%	14.91%	-2,552 bps