City Link

Cleveland, OH · Charter 3053

Q4 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: Q4 1997, the quarter ended December 31, 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.

Cleveland, OH · Charter 3053

Q4 1997

$4.7MAssets

$3.2MLoans

$4.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.80%-186 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	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.75%	2.93%	3.24%	3.66%	3.41%	3.11%	2.12%	1.80%	-186 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	n/a	n/a	-7.16%	-9.59%	-17.25%	-22.32%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	33.85%	23.41%	10.84%	-6.55%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-9.99%	-11.90%	-19.71%	-24.58%	n/a
Asset Quality
Delinquent Loans / Loans	0.98%	1.26%	1.69%	3.68%	5.79%	5.48%	6.42%	4.69%	+101 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	2.07%	1.74%	1.38%	1.26%	1.54%	0.87%	1.36%	1.40%	+14 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	43.95%	51.86%	58.61%	64.32%	65.36%	72.64%	80.90%	79.69%	+1,537 bps
Liquid Assets / Assets	26.82%	27.13%	24.90%	22.58%	33.48%	25.52%	23.09%	21.93%	-65 bps