Mariemont

Cincinnati, OH · Charter 17776

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Cincinnati, OH · Charter 17776

Q2 2001

$2.1MAssets

$1.9MLoans

$1.9MShares

$239KNet Worth

Return on Assets (YTD, annualized)

-1.10%-295 bps YoY

Net Interest Margin (YTD, annualized)

5.49%

Efficiency Ratio (YTD, annualized)

111.45%

Net Worth / Assets

11.25%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	2.82%	2.84%	2.99%	1.84%	-0.33%	-1.32%	-0.24%	-1.10%	-295 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-1.97%	-9.82%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	4.78%	4.55%	5.35%	5.49%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	104.25%	106.98%	95.81%	111.45%	n/a
Growth
Asset Growth (YoY)	-3.48%	-11.73%	-5.16%	6.38%	3.54%	5.04%	-1.24%	-11.68%	-1,805 bps
Loan Growth (YoY)	-0.93%	-4.32%	-12.53%	-15.55%	-2.71%	16.89%	17.98%	31.57%	+4,712 bps
Share Growth (YoY)	-4.31%	-14.03%	-5.94%	7.56%	2.37%	6.92%	-0.97%	-11.34%	-1,890 bps
Asset Quality
Delinquent Loans / Loans	3.10%	3.18%	2.44%	1.99%	1.36%	0.66%	0.88%	4.44%	+245 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	1.04%	1.10%	0.75%	0.66%	0.54%	0.72%	0.44%	0.35%	-31 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	12.33%	11.25%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	12.33%	11.25%	n/a
Liquidity & Funding
Loans / Shares	89.83%	81.25%	81.31%	66.79%	85.37%	88.83%	96.86%	99.11%	+3,232 bps
Liquid Assets / Assets	13.97%	24.79%	27.35%	34.85%	20.00%	9.50%	12.54%	9.01%	-2,584 bps