Ohio Mennonite

Kidron, OH · Charter 24180

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.

Kidron, OH · Charter 24180

Q2 2000

$4.0MAssets

$3.4MLoans

$3.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.47%-168 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

Efficiency Ratio (YTD, annualized)

44.03%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.15%	3.70%	4.64%	1.21%	2.47%	-168 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	3.24%	4.36%	n/a
Efficiency Ratio	n/a	n/a	n/a	63.88%	44.03%	n/a
Growth
Asset Growth (YoY)	68.62%	86.03%	79.79%	52.59%	25.04%	-4,357 bps
Loan Growth (YoY)	49.49%	74.17%	66.97%	53.22%	33.26%	-1,622 bps
Share Growth (YoY)	75.11%	91.09%	83.50%	53.07%	22.49%	-5,262 bps
Asset Quality
Delinquent Loans / Loans	0.68%	0.06%	0.00%	0.26%	0.36%	-32 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.15%	0.15%	0.16%	0.15%	0.17%	+3 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	84.31%	82.02%	83.59%	85.39%	91.72%	+741 bps
Liquid Assets / Assets	16.74%	18.90%	11.73%	5.20%	2.52%	-1,422 bps