Livonia Community

Livonia, MI · Charter 61883

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Livonia, MI · Charter 61883

Q4 1998

$46.7MAssets

$33.2MLoans

$43.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.29%+8 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.80%	3.17%	2.44%	3.21%	3.08%	3.13%	3.60%	3.29%	+8 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	20.39%	19.17%	17.28%	23.87%	29.45%	29.66%	+1,048 bps
Loan Growth (YoY)	n/a	n/a	16.26%	30.82%	34.92%	40.82%	39.65%	15.04%	-1,578 bps
Share Growth (YoY)	n/a	n/a	20.03%	17.80%	16.09%	25.80%	30.86%	33.26%	+1,546 bps
Asset Quality
Delinquent Loans / Loans	1.53%	2.02%	1.10%	1.32%	1.38%	1.20%	1.00%	0.71%	-62 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	1.86%	1.45%	1.05%	1.10%	1.23%	0.98%	0.96%	0.72%	-38 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	76.45%	77.64%	76.96%	89.18%	88.85%	86.91%	82.12%	76.99%	-1,220 bps
Liquid Assets / Assets	18.33%	18.10%	14.94%	11.15%	9.76%	9.01%	12.07%	2.79%	-836 bps