Thomas

Warren, OH · Charter 60953

Q4 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: Q4 2000, the quarter ended December 31, 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.

Warren, OH · Charter 60953

Q4 2000

$3.9MAssets

$2.8MLoans

$3.7MShares

$169KNet Worth

Return on Assets (YTD, annualized)

-9.25%-1,246 bps YoY

Net Interest Margin (YTD, annualized)

6.77%

Efficiency Ratio (YTD, annualized)

78.06%

Net Worth / Assets

4.36%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	3.41%	3.90%	3.49%	3.21%	3.66%	0.69%	-2.84%	-9.25%	-1,246 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-212%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.50%	5.29%	6.77%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	81.69%	77.64%	78.06%	n/a
Growth
Asset Growth (YoY)	-8.88%	-10.18%	0.77%	23.47%	25.84%	27.87%	6.30%	-21.82%	-4,529 bps
Loan Growth (YoY)	-7.24%	-7.17%	-12.34%	-2.78%	6.81%	3.02%	6.41%	-5.73%	-295 bps
Share Growth (YoY)	-11.26%	-12.65%	-1.29%	24.70%	26.39%	29.24%	7.40%	-17.09%	-4,180 bps
Asset Quality
Delinquent Loans / Loans	2.60%	3.65%	1.90%	3.70%	3.87%	3.90%	6.09%	7.75%	+406 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	2.54%	1.61%	1.69%	1.58%	0.92%	0.71%	2.88%	12.43%	+1,085 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	4.36%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	4.36%	n/a	n/a
Liquidity & Funding
Loans / Shares	71.66%	78.22%	66.82%	67.63%	60.56%	62.35%	66.20%	76.91%	+927 bps
Liquid Assets / Assets	15.96%	18.34%	24.17%	26.20%	32.31%	19.01%	22.41%	29.31%	+311 bps