Insta

Warren, OH · Charter 63624

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Warren, OH · Charter 63624

Q2 1997

$890KAssets

$790KLoans

$745KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.74%+78 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	2.24%	2.78%	2.96%	3.35%	2.92%	3.01%	3.74%	+78 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-30.25%	-26.23%	-19.06%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-3.66%	10.08%	6.07%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-34.42%	-30.14%	-22.99%	n/a
Asset Quality
Delinquent Loans / Loans	1.84%	0.66%	0.85%	2.74%	4.01%	2.69%	9.63%	+879 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.73%	3.57%	3.80%	3.64%	3.93%	3.18%	2.05%	-175 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	58.45%	64.67%	77.02%	88.45%	85.86%	101.89%	106.08%	+2,906 bps
Liquid Assets / Assets	45.19%	40.78%	29.70%	20.54%	20.39%	11.98%	3.99%	-2,571 bps