Metrohealth System Employees

Lakewood, OH · Charter 63365

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.

Lakewood, OH · Charter 63365

Q2 2000

$8.0MAssets

$5.9MLoans

$8.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-12.34%-1,398 bps YoY

Net Interest Margin (YTD, annualized)

5.82%

Efficiency Ratio (YTD, annualized)

143.36%

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	1.64%	2.07%	3.36%	-2.92%	-12.34%	-1,398 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	5.05%	5.82%	n/a
Efficiency Ratio	n/a	n/a	n/a	109.10%	143.36%	n/a
Growth
Asset Growth (YoY)	15.73%	47.16%	46.17%	33.25%	19.66%	+393 bps
Loan Growth (YoY)	33.12%	29.96%	58.08%	57.23%	34.75%	+163 bps
Share Growth (YoY)	17.84%	54.35%	53.34%	37.72%	36.08%	+1,824 bps
Asset Quality
Delinquent Loans / Loans	0.80%	1.44%	0.86%	3.27%	3.65%	+285 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.10%	1.06%	0.63%	1.96%	5.50%	+440 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	73.43%	68.54%	77.40%	90.30%	72.71%	-72 bps
Liquid Assets / Assets	11.23%	13.89%	12.38%	2.42%	2.54%	-869 bps