Dow-Hanging Rock

Ironton, OH · Charter 19606

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.

Ironton, OH · Charter 19606

Q2 1999

$815KAssets

$161KLoans

$598KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.13%-239 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	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.52%	4.65%	3.92%	2.74%	2.13%	-239 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	2.56%	2.91%	-9.47%	-8.97%	-22.03%	-2,459 bps
Loan Growth (YoY)	-24.02%	-39.58%	-50.81%	-61.68%	-70.49%	-4,648 bps
Share Growth (YoY)	0.49%	0.74%	-14.40%	-12.59%	-28.38%	-2,887 bps
Asset Quality
Delinquent Loans / Loans	1.18%	4.14%	4.81%	0.94%	0.67%	-51 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.18%	0.95%	0.72%	1.00%	0.62%	+44 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	65.23%	53.34%	43.53%	30.89%	26.88%	-3,836 bps
Liquid Assets / Assets	42.12%	49.59%	60.21%	67.14%	71.39%	+2,927 bps