International Chemical Workers

Akron, OH · Charter 64388

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Akron, OH · Charter 64388

Q4 1998

$320KAssets

$207KLoans

$263KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.60%-35 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.96%	3.45%	3.96%	3.95%	3.60%	3.81%	3.23%	3.60%	-35 bps
Return on Equity	n/a	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	n/a
Efficiency Ratio	n/a	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	-26.72%	-18.70%	-34.77%	-30.41%	-27.65%	-24.99%	-629 bps
Loan Growth (YoY)	n/a	n/a	-3.70%	-29.55%	-37.56%	-44.09%	-37.81%	-31.03%	-149 bps
Share Growth (YoY)	n/a	n/a	-30.07%	-21.97%	-39.66%	-35.41%	-32.57%	-29.58%	-761 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.77%	0.88%	0.98%	1.23%	1.37%	1.57%	1.57%	1.79%	+55 bps
Capital
Risk-Based Capital	n/a	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	n/a
Liquidity & Funding
Loans / Shares	94.64%	99.84%	100.05%	80.26%	97.93%	86.42%	92.28%	78.61%	-165 bps
Liquid Assets / Assets	5.25%	8.02%	9.17%	8.79%	13.31%	13.43%	13.54%	13.88%	+508 bps