Franciscan Health System of Cincinn

Cincinnati, OH · Charter 63323

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.

Cincinnati, OH · Charter 63323

Q2 2000

$2.2MAssets

$1.8MLoans

$1.9MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.32%-529 bps YoY

Net Interest Margin (YTD, annualized)

4.85%

Efficiency Ratio (YTD, annualized)

98.81%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	4.96%	4.21%	2.27%	-0.31%	-0.32%	-529 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	4.50%	4.85%	n/a
Efficiency Ratio	n/a	n/a	n/a	101.21%	98.81%	n/a
Growth
Asset Growth (YoY)	6.08%	7.32%	10.76%	1.38%	-3.37%	-945 bps
Loan Growth (YoY)	2.95%	-6.08%	-18.81%	-3.39%	21.26%	+1,831 bps
Share Growth (YoY)	4.11%	4.32%	11.53%	1.66%	-2.75%	-686 bps
Asset Quality
Delinquent Loans / Loans	1.64%	1.01%	1.32%	1.05%	0.52%	-112 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.06%	0.68%	1.00%	0.65%	0.81%	-25 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	74.14%	76.97%	62.82%	82.65%	92.45%	+1,830 bps
Liquid Assets / Assets	35.15%	24.56%	37.88%	21.23%	13.64%	-2,151 bps