Clopay Employees

Cincinnati, OH · Charter 4974

Q2 1999

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 1999, the quarter ended June 30, 1999, 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 4974

Q2 1999

$2.6MAssets

$2.3MLoans

$2.5MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.73%-52 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.24%	3.53%	4.14%	3.73%	3.73%	-52 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)	12.55%	15.90%	30.95%	35.97%	-6.16%	-1,871 bps
Loan Growth (YoY)	4.95%	27.38%	25.01%	23.50%	6.41%	+146 bps
Share Growth (YoY)	11.38%	15.21%	30.75%	36.83%	-3.63%	-1,501 bps
Asset Quality
Delinquent Loans / Loans	4.03%	4.44%	4.90%	3.01%	2.32%	-171 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.08%	2.48%	2.51%	2.59%	2.05%	-3 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	84.24%	91.02%	79.07%	83.38%	93.01%	+877 bps
Liquid Assets / Assets	15.57%	6.04%	23.92%	17.87%	4.76%	-1,081 bps