Wadsworth

Wadsworth, OH · Charter 2922

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Wadsworth, OH · Charter 2922

Q2 1996

$7.6MAssets

$3.5MLoans

$7.4MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.69%+108 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	YoY Δ	Trend
Earnings
Return on Assets	2.61%	0.57%	4.55%	4.26%	3.69%	+108 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	n/a	n/a	n/a	n/a
Efficiency Ratio	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	36.01%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-11.27%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	40.39%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.47%	1.10%	3.88%	2.46%	3.48%	+201 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.47%	2.52%	1.89%	1.85%	2.33%	+186 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	75.91%	59.53%	51.89%	49.80%	47.97%	-2,793 bps
Liquid Assets / Assets	8.84%	34.75%	43.65%	31.54%	27.47%	+1,863 bps