Maumee Valley

Toledo, OH · Charter 4935

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Toledo, OH · Charter 4935

Q2 1997

$12.9MAssets

$9.3MLoans

$10.6MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.66%-63 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	4.29%	4.27%	3.61%	3.51%	3.66%	-63 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	4.40%	4.63%	10.75%	n/a
Loan Growth (YoY)	n/a	n/a	10.05%	6.46%	4.99%	n/a
Share Growth (YoY)	n/a	n/a	1.53%	3.15%	10.56%	n/a
Asset Quality
Delinquent Loans / Loans	1.58%	2.06%	10.59%	2.10%	2.51%	+94 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.60%	0.80%	0.82%	0.85%	0.96%	+36 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	92.48%	89.52%	85.28%	88.90%	87.82%	-466 bps
Liquid Assets / Assets	11.05%	16.64%	20.50%	18.16%	19.20%	+815 bps