BHZ

Zanesville, OH · Charter 21849

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.

Zanesville, OH · Charter 21849

Q4 2000

$2.3MAssets

$1.9MLoans

$1.7MShares

$630KNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.40%-295 bps YoY

Net Interest Margin (YTD, annualized)

6.25%

Efficiency Ratio (YTD, annualized)

76.50%

Net Worth / Assets

27.56%

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	4.35%	3.38%	1.90%	0.98%	1.40%	-295 bps
Return on Equity	n/a	n/a	n/a	n/a	5.09%	n/a	n/a
Net Interest Margin	n/a	n/a	6.31%	5.03%	6.25%	n/a
Efficiency Ratio	n/a	n/a	63.84%	81.34%	76.50%	n/a
Growth
Asset Growth (YoY)	15.44%	14.42%	3.89%	-2.50%	-7.41%	-2,286 bps
Loan Growth (YoY)	13.31%	2.49%	7.62%	-8.94%	-2.73%	-1,604 bps
Share Growth (YoY)	13.44%	13.56%	0.83%	-6.74%	-13.75%	-2,719 bps
Asset Quality
Delinquent Loans / Loans	1.44%	0.66%	0.56%	0.70%	0.09%	-135 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.53%	0.37%	0.64%	0.49%	0.24%	-29 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	27.56%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	27.56%	n/a	n/a
Liquidity & Funding
Loans / Shares	101.18%	86.14%	115.79%	87.96%	114.12%	+1,293 bps
Liquid Assets / Assets	11.02%	25.25%	0.00%	26.17%	6.83%	-419 bps