Gibson Employees

Cincinnati, OH · Charter 23252

Q2 1998

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 1998, the quarter ended June 30, 1998, 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.

Cincinnati, OH · Charter 23252

Q2 1998

$3.6MAssets

$1.8MLoans

$2.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.43%+36 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.45%	4.04%	4.16%	4.07%	4.28%	4.85%	4.72%	4.43%	+36 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	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	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	1.03%	7.15%	-1.59%	-5.21%	-14.08%	-1,511 bps
Loan Growth (YoY)	n/a	n/a	n/a	-17.89%	-20.11%	-19.01%	-5.27%	-10.76%	+714 bps
Share Growth (YoY)	n/a	n/a	n/a	-0.99%	6.50%	-3.93%	-7.76%	-18.68%	-1,768 bps
Asset Quality
Delinquent Loans / Loans	1.84%	2.74%	3.32%	4.70%	2.33%	2.05%	2.09%	1.53%	-317 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	0.77%	0.76%	1.26%	1.33%	1.16%	1.33%	1.36%	1.44%	+11 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	87.99%	83.11%	67.39%	58.40%	66.00%	70.06%	69.21%	64.09%	+569 bps
Liquid Assets / Assets	3.01%	13.09%	30.64%	28.87%	23.58%	23.07%	27.05%	36.25%	+738 bps