Cincinnati Postal Empl

Cincinnati, OH · Charter 61308

Q2 2001

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 2001, the quarter ended June 30, 2001, 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 61308

Q2 2001

$40.1MAssets

$28.8MLoans

$36.4MShares

$3.2MNet Worth

Return on Assets (YTD, annualized)

0.79%-319 bps YoY

Net Interest Margin (YTD, annualized)

3.52%

Efficiency Ratio (YTD, annualized)

78.31%

Net Worth / Assets

8.02%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	4.37%	3.99%	3.64%	3.98%	0.77%	0.96%	0.98%	0.79%	-319 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	11.71%	9.88%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	4.03%	4.11%	3.91%	3.52%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	76.86%	77.42%	76.16%	78.31%	n/a
Growth
Asset Growth (YoY)	8.24%	14.66%	25.37%	17.64%	19.43%	12.61%	8.74%	18.04%	+41 bps
Loan Growth (YoY)	45.76%	55.81%	40.47%	35.20%	35.37%	32.56%	29.00%	22.23%	-1,296 bps
Share Growth (YoY)	6.35%	13.05%	25.30%	21.15%	19.46%	11.89%	3.82%	13.28%	-787 bps
Asset Quality
Delinquent Loans / Loans	0.56%	0.75%	0.54%	0.52%	0.91%	0.52%	0.33%	0.45%	-7 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	0.61%	0.46%	0.93%	0.84%	1.24%	1.05%	1.12%	1.13%	+29 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	8.40%	8.02%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	8.40%	8.02%	n/a
Liquidity & Funding
Loans / Shares	74.98%	74.45%	74.23%	73.28%	84.96%	88.21%	92.23%	79.07%	+579 bps
Liquid Assets / Assets	20.21%	22.69%	24.71%	24.29%	9.94%	9.00%	13.37%	23.53%	-77 bps