Teamsters So. W. V. Ups

Charleston, WV · Charter 23006

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.

Charleston, WV · Charter 23006

Q2 2001

$601KAssets

$324KLoans

$493KShares

$107KNet Worth

Return on Assets (YTD, annualized)

0.48%-425 bps YoY

Net Interest Margin (YTD, annualized)

4.82%

Efficiency Ratio (YTD, annualized)

78.94%

Net Worth / Assets

17.79%

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	3.57%	4.89%	5.21%	4.73%	3.57%	0.68%	0.33%	0.48%	-425 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	1.84%	2.71%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	8.85%	4.54%	5.32%	4.82%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	49.41%	83.89%	76.29%	78.94%	n/a
Growth
Asset Growth (YoY)	7.16%	-2.56%	-5.59%	-9.83%	-13.77%	-5.36%	2.02%	-1.24%	+859 bps
Loan Growth (YoY)	7.14%	-4.22%	2.77%	-1.80%	0.47%	13.94%	2.01%	0.07%	+187 bps
Share Growth (YoY)	5.19%	-5.15%	-9.20%	-13.73%	-17.85%	-7.80%	1.59%	-2.00%	+1,173 bps
Asset Quality
Delinquent Loans / Loans	0.58%	3.24%	2.02%	4.15%	4.47%	3.98%	5.85%	7.55%	+340 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	1.18%	0.95%	1.00%	1.12%	2.20%	1.93%	0.75%	1.42%	+30 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	17.77%	17.79%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	17.77%	17.79%	n/a
Liquidity & Funding
Loans / Shares	55.52%	54.08%	69.24%	64.33%	67.90%	66.83%	69.53%	65.69%	+136 bps
Liquid Assets / Assets	39.90%	41.54%	35.04%	34.28%	0.00%	0.00%	26.06%	45.00%	+1,072 bps