Latvian Church

Lakewood, OH · Charter 61915

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.

Lakewood, OH · Charter 61915

Q4 1997

$5.4MAssets

$1.7MLoans

$4.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.16%-51 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	3.94%	4.25%	4.26%	4.67%	4.03%	4.27%	3.85%	4.16%	-51 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	-6.34%	-8.07%	-3.50%	-1.50%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	25.71%	28.17%	-18.02%	-26.89%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-8.38%	-9.95%	-4.67%	-2.15%	n/a
Asset Quality
Delinquent Loans / Loans	3.61%	4.07%	2.20%	14.04%	4.03%	1.74%	4.15%	2.21%	-1,182 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	3.40%	3.60%	2.74%	2.78%	2.84%	2.88%	3.39%	4.09%	+131 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	34.62%	33.95%	47.69%	48.94%	47.50%	48.33%	41.02%	36.56%	-1,237 bps
Liquid Assets / Assets	30.87%	37.81%	32.05%	26.81%	28.70%	24.81%	25.75%	38.83%	+1,202 bps