Fifth Third Bank, Indiana

Saint Joseph, MI · Cert 8164

FDIC

Q1 2001

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: Q1 2001, the quarter ended March 31, 2001, 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.

Saint Joseph, MI · Cert 8164

FDIC

Q1 2001

$10.5BAssets

$5.1BLoans

$6.8BDeposits

$950.7MEquity

Loan mix

Deposit mix

Earnings: ROA of 1.13%, down 40 bps year over year; NIM at 3.06%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
Funding: loans stand at 75.35% of deposits as of Q1 2001.

Return on Assets (YTD, annualized)

1.13%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.06%

n/a

Efficiency Ratio (YTD, annualized)

51.39%

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1999	Q3 1999	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	YoY Δ	Trend
Earnings
Return on Assets	1.38%	1.28%	0.71%	1.54%	1.31%	1.38%	1.35%	1.13%	-40 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	3.06%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	51.39%	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.03%	n/a	n/a
Growth
Asset Growth (YoY)	265%	284%	3.67%	30.59%	23.80%	19.34%	40.58%	11.36%	-1,922 bps
Loan Growth (YoY)	201%	243%	-1.53%	26.15%	11.98%	4.83%	30.15%	4.33%	-2,182 bps
Deposit Growth (YoY)	234%	244%	-4.66%	20.98%	20.55%	20.67%	42.33%	14.19%	-679 bps
Asset Quality
Nonperforming 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	0.60%	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1.48%	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	11.12%	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	9.08%	n/a	n/a
Liquidity & Funding
Loans / Deposits	82.02%	87.13%	81.73%	82.47%	76.19%	75.70%	74.74%	75.35%	-712 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a