Chemical and Plastic Employees

Painesville, OH · Charter 61270

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Painesville, OH · Charter 61270

Q4 1998

$3.3MAssets

$1.6MLoans

$3.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.42%-9 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	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.39%	3.59%	3.71%	3.51%	3.71%	3.82%	3.73%	3.42%	-9 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	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	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	3.36%	-4.54%	4.12%	-4.63%	-1.39%	13.44%	+1,798 bps
Loan Growth (YoY)	n/a	n/a	56.12%	9.59%	1.33%	10.49%	1.31%	-13.73%	-2,332 bps
Share Growth (YoY)	n/a	n/a	1.24%	-6.64%	2.42%	-6.85%	-3.25%	13.16%	+1,979 bps
Asset Quality
Delinquent Loans / Loans	0.71%	0.38%	3.23%	1.64%	0.78%	0.41%	0.71%	0.90%	-74 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	1.21%	0.82%	0.89%	0.68%	0.78%	0.73%	0.55%	0.47%	-21 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	74.25%	69.59%	65.52%	70.89%	73.46%	82.55%	68.61%	54.05%	-1,684 bps
Liquid Assets / Assets	20.03%	30.27%	29.72%	22.51%	31.33%	18.96%	29.78%	43.77%	+2,127 bps