Geneva Area School Emp

Geneva, OH · Charter 96716

Q2 2007

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 2007, the quarter ended June 30, 2007, 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.

Geneva, OH · Charter 96716

Q2 2007

$1.4MAssets

$705KLoans

$1.2MShares

$176KNet Worth

Return on Assets (YTD, annualized)

-0.42%

Net Interest Margin (YTD, annualized)

2.10%

Efficiency Ratio (YTD, annualized)

101.84%

Net Worth / Assets

12.36%

Year to date, annualized, through each quarter.

Metric	Q2 2006	Q4 2006	Q1 2007	Q2 2007	YoY Δ	Trend
Earnings
Return on Assets	0.26%	0.85%	1.20%	-0.42%	n/a
Return on Equity	2.53%	6.98%	9.75%	-3.40%	n/a
Net Interest Margin	2.64%	3.26%	3.42%	2.10%	n/a
Efficiency Ratio	85.16%	71.43%	59.71%	101.84%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.48%	0.34%	1.51%	0.45%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.76%	0.77%	0.90%	0.18%	n/a
Capital
Risk-Based Capital	10.45%	12.24%	12.32%	12.36%	n/a
Net Worth / Assets	10.45%	12.24%	12.32%	12.36%	n/a
Liquidity & Funding
Loans / Shares	48.90%	55.34%	54.35%	56.48%	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	n/a