Curtis 1000 Employees

Cleveland, OH · Charter 63415

Q2 1996

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 1996, the quarter ended June 30, 1996, 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 63415

Q2 1996

$69KAssets

$32KLoans

$60KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.06%+176 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	1.30%	1.89%	1.83%	2.56%	3.06%	+176 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	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	-31.51%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.51%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-34.95%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.50%	0.00%	0.00%	0.00%	0.00%	-50 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	5.63%	2.99%	3.77%	3.73%	4.79%	-84 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	29.50%	69.80%	41.16%	48.61%	53.29%	+2,379 bps
Liquid Assets / Assets	64.60%	23.64%	52.13%	43.49%	43.67%	-2,093 bps