Production Experts Employees

Cleveland, OH · Charter 63158

Q2 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: Q2 1998, the quarter ended June 30, 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.

Cleveland, OH · Charter 63158

Q2 1998

$653KAssets

$407KLoans

$507KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.82%-25 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	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.32%	4.11%	4.76%	3.06%	2.75%	3.03%	3.03%	2.82%	-25 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	n/a	-13.08%	-17.73%	-18.32%	-8.98%	-21.96%	-888 bps
Loan Growth (YoY)	n/a	n/a	n/a	-11.60%	-5.96%	-4.57%	-17.05%	-23.35%	-1,175 bps
Share Growth (YoY)	n/a	n/a	n/a	-17.47%	-22.25%	-22.60%	-11.20%	-26.65%	-919 bps
Asset Quality
Delinquent Loans / Loans	9.38%	7.93%	11.01%	9.61%	8.76%	7.82%	6.91%	4.46%	-515 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	4.70%	3.62%	3.12%	2.83%	2.67%	2.60%	3.34%	3.10%	+27 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	71.23%	70.82%	88.07%	76.82%	86.15%	87.32%	82.26%	80.29%	+346 bps
Liquid Assets / Assets	33.24%	33.43%	20.47%	24.55%	26.71%	25.18%	25.58%	29.72%	+517 bps