Solon Concora

Solon, OH · Charter 5225

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.

Solon, OH · Charter 5225

Q4 1997

$156KAssets

$98KLoans

$140KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-3.78%-806 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	4.82%	3.32%	5.07%	4.28%	-6.01%	-1.17%	-9.37%	-3.78%	-806 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	-37.44%	-30.80%	-14.08%	-30.17%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-10.04%	-18.85%	-25.97%	-39.81%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-38.57%	-31.92%	-6.34%	-26.73%	n/a
Asset Quality
Delinquent Loans / Loans	9.64%	5.26%	4.00%	8.90%	10.30%	6.13%	8.29%	12.66%	+376 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	1.54%	0.10%	0.00%	0.77%	7.92%	3.30%	10.08%	13.94%	+1,316 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	54.40%	64.71%	88.01%	85.00%	79.68%	77.14%	69.56%	69.82%	-1,518 bps
Liquid Assets / Assets	38.11%	33.97%	12.97%	13.39%	14.51%	14.59%	16.63%	22.39%	+900 bps