St. Peters Canton Parish

Canton, OH · Charter 4889

Q4 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: Q4 1996, the quarter ended December 31, 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.

Canton, OH · Charter 4889

Q4 1996

$893KAssets

$638KLoans

$800KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.26%-13 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	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	3.38%	3.39%	3.55%	3.73%	4.06%	3.26%	-13 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-5.02%	-16.63%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	18.45%	10.86%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-7.34%	-18.32%	n/a
Asset Quality
Delinquent Loans / Loans	2.90%	2.87%	2.40%	5.03%	4.24%	3.45%	+58 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.96%	0.90%	0.85%	0.83%	0.81%	0.81%	-9 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	60.02%	58.69%	69.55%	72.74%	76.72%	79.66%	+2,097 bps
Liquid Assets / Assets	6.53%	0.00%	11.68%	12.85%	12.60%	4.35%	+435 bps