Westwood Homestead Savings Bank

Cincinnati, OH · Cert 30239

FDIC

Q1 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: Q1 2001, the quarter ended March 31, 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.

Cincinnati, OH · Cert 30239

FDIC

Q1 2001

$159.3MAssets

$143.0MLoans

$104.0MDeposits

$12.2MEquity

Deposit mix

Earnings: ROA of 1.07%, up 12 bps year over year; NIM at 3.08%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
Funding: loans stand at 137.51% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.07%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.08%

n/a

Efficiency Ratio (YTD, annualized)

51.95%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	0.95%	0.81%	0.93%	0.95%	1.18%	1.10%	1.08%	1.07%	+12 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	3.08%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	51.95%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.43%	n/a	n/a
Growth
Asset Growth (YoY)	11.99%	17.89%	19.96%	23.42%	13.23%	6.51%	2.06%	0.58%	-2,284 bps
Loan Growth (YoY)	14.99%	18.32%	19.38%	24.02%	12.86%	6.74%	1.88%	-1.99%	-2,601 bps
Deposit Growth (YoY)	8.47%	11.45%	15.12%	15.24%	14.68%	7.49%	0.34%	1.67%	-1,358 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.01%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	0.48%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	13.55%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	7.63%	n/a	n/a
Liquidity & Funding
Loans / Deposits	139.96%	141.18%	139.93%	142.63%	137.74%	140.19%	142.07%	137.51%	-512 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.00%	+300 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a