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Madison, OH · Charter 22544

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Madison, OH · Charter 22544

Q2 1997

$158KAssets

$115KLoans

$127KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.93%+134 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.75%	2.94%	3.59%	4.43%	4.18%	4.43%	4.93%	+134 bps
Return on Equity	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	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	7.76%	4.76%	-19.15%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	151.63%	83.86%	-13.28%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.90%	0.06%	-26.95%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	5.78%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.13%	1.76%	1.02%	0.92%	0.85%	0.96%	1.18%	+16 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	37.46%	47.39%	76.17%	90.02%	90.72%	87.07%	90.42%	+1,425 bps
Liquid Assets / Assets	61.53%	47.01%	26.56%	9.25%	15.17%	11.12%	16.44%	-1,012 bps