Filed by Fifth Third Bancorp
Pursuant to Rule 425 under the Securities Act of 1933
Subject Company: Capital Holdings, Inc.
Exchange Act File Number 000-21680
FIFTH THIRD BANK ACQUIRES
CAPITAL BANK — TOLEDO, OHIO
Transaction Summary
| Purchase Price | $234 million | |
| Price/Earnings (LTM 9/30/00) | 20.7 | |
| Price/Book | 2.47 | |
| Asset Size | $1.1 billion | |
| # of Employees | 132 |
Franchise at a Glance
| • | Strong, experienced management team | |
| • | Combines the premier commercial banking franchises in the Toledo market | |
| • | Attractive clientele; broader product offerings combine to expand commercial opportunity | |
| • | Following market share in Toledo, Ohio MSA: |
| TOTAL | |||||||||
| MARKET | DEPOSITS | ||||||||
| NAME | SHARE | (000s) | |||||||
| FIFTH THIRD | 26.04 | % | $ | 1,848,214 | |||||
| KeyCorp | 13.82 | 980,858 | |||||||
| Charter One Financial | 12.37 | 877,992 | |||||||
| Sky Financial | 11.29 | 801,562 | |||||||
| Huntington | 9.83 | 697,726 | |||||||
| National City | 8.83 | 626,383 | |||||||
| All Others | 17.82 | 1,265,034 | |||||||
| Total | 100.00 | % | $ | 7,097,769 | |||||
