Eastern Trumbull

Hubbard, OH · Charter 60933

Q2 2000

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 2000, the quarter ended June 30, 2000, 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.

Hubbard, OH · Charter 60933

Q2 2000

$3.9MAssets

$1.9MLoans

$3.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.08%-254 bps YoY

Net Interest Margin (YTD, annualized)

5.84%

Efficiency Ratio (YTD, annualized)

86.46%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.34%	3.15%	2.88%	2.62%	2.77%	2.57%	-1.42%	0.08%	-254 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	5.12%	5.84%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	89.92%	86.46%	n/a
Growth
Asset Growth (YoY)	4.20%	8.47%	4.61%	2.96%	6.62%	4.45%	0.90%	-10.58%	-1,354 bps
Loan Growth (YoY)	24.04%	21.62%	16.70%	16.33%	1.14%	-9.65%	-16.93%	-22.37%	-3,870 bps
Share Growth (YoY)	3.13%	8.38%	3.77%	2.60%	7.12%	5.24%	2.96%	-10.55%	-1,314 bps
Asset Quality
Delinquent Loans / Loans	1.83%	1.62%	4.36%	3.01%	2.54%	1.88%	4.06%	4.37%	+136 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.56%	1.25%	1.46%	2.38%	0.46%	1.18%	3.11%	4.02%	+164 bps
Capital
Risk-Based Capital	n/a	n/a	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	n/a	n/a
Liquidity & Funding
Loans / Shares	67.54%	65.31%	71.41%	67.43%	63.77%	56.07%	57.61%	58.52%	-891 bps
Liquid Assets / Assets	17.40%	22.51%	21.25%	28.99%	34.57%	34.84%	31.73%	24.29%	-470 bps