Avondale Community

Cincinnati, OH · Charter 24592

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.

Cincinnati, OH · Charter 24592

Q2 2000

$1.0MAssets

$653KLoans

$1.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-28.21%-2,305 bps YoY

Net Interest Margin (YTD, annualized)

9.48%

Efficiency Ratio (YTD, annualized)

187.80%

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	-5.16%	-5.36%	-1.15%	-2.97%	-28.21%	-2,305 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	6.86%	9.48%	n/a
Efficiency Ratio	n/a	n/a	n/a	97.13%	187.80%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	203%	86.68%	-3.66%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	762%	80.87%	n/a
Share Growth (YoY)	n/a	n/a	239%	88.78%	5.04%	n/a
Asset Quality
Delinquent Loans / Loans	4.92%	9.13%	7.29%	15.35%	0.35%	-457 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.12%	2.27%	2.56%	4.56%	0.00%	-212 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	30.85%	44.82%	56.91%	56.26%	53.11%	+2,227 bps
Liquid Assets / Assets	46.15%	39.50%	28.62%	14.96%	10.99%	-3,516 bps