Hys

Chillicothe, OH · Charter 19787

Q2 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: Q2 2000, the quarter ended June 30, 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.

Chillicothe, OH · Charter 19787

Q2 2000

$236KAssets

$149KLoans

$199KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.35%-232 bps YoY

Net Interest Margin (YTD, annualized)

5.55%

Efficiency Ratio (YTD, annualized)

76.93%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.74%	1.98%	1.26%	3.67%	3.87%	3.95%	1.76%	1.35%	-232 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	6.38%	5.55%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	74.02%	76.93%	n/a
Growth
Asset Growth (YoY)	5.47%	2.06%	7.45%	9.97%	41.34%	31.75%	25.80%	17.66%	+769 bps
Loan Growth (YoY)	1.77%	-4.52%	-5.77%	-2.08%	31.21%	40.41%	33.12%	15.84%	+1,793 bps
Share Growth (YoY)	0.72%	-0.67%	8.05%	9.94%	47.68%	34.84%	23.88%	17.25%	+731 bps
Asset Quality
Delinquent Loans / Loans	2.48%	3.74%	4.56%	0.41%	0.08%	0.00%	6.15%	4.73%	+433 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	0.01%	0.29%	2.56%	2.68%	2.11%	2.13%	2.15%	2.48%	-20 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	102.42%	76.46%	87.26%	75.63%	91.00%	79.62%	93.77%	74.72%	-90 bps
Liquid Assets / Assets	8.95%	29.89%	22.22%	25.81%	17.42%	26.38%	0.00%	14.83%	-1,098 bps