Lormet Allied

Lorain, OH · Charter 63484

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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.

Lorain, OH · Charter 63484

Q4 1999

$89.4MAssets

$21.5MLoans

$72.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.65%-315 bps YoY

Net Interest Margin (YTD, annualized)

3.19%

Efficiency Ratio (YTD, annualized)

81.90%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.80%	3.42%	3.22%	0.70%	0.65%	-315 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	3.19%	3.19%	n/a
Efficiency Ratio	n/a	n/a	n/a	80.22%	81.90%	n/a
Growth
Asset Growth (YoY)	3.06%	2.28%	3.60%	2.31%	1.84%	-122 bps
Loan Growth (YoY)	2.37%	-1.50%	-0.92%	9.38%	15.95%	+1,358 bps
Share Growth (YoY)	2.34%	1.56%	3.42%	1.68%	1.39%	-95 bps
Asset Quality
Delinquent Loans / Loans	0.07%	0.18%	0.23%	0.14%	0.12%	+4 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.30%	0.31%	0.24%	0.21%	0.19%	-12 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	25.84%	24.84%	25.42%	28.67%	29.56%	+371 bps
Liquid Assets / Assets	38.88%	26.36%	18.82%	11.48%	13.52%	-2,536 bps