Cuyahoga Heights School Empl

Cuyahoga Hts, OH · Charter 63172

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.

Cuyahoga Hts, OH · Charter 63172

Q4 1997

$730KAssets

$431KLoans

$625KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.88%+6 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	3.39%	3.55%	3.65%	3.82%	3.60%	3.55%	3.90%	3.88%	+6 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	-7.44%	-5.47%	-4.89%	-1.97%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-10.83%	-10.95%	-13.71%	-11.31%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-10.18%	-7.82%	-7.44%	-4.31%	n/a
Asset Quality
Delinquent Loans / Loans	5.59%	3.70%	2.41%	2.14%	2.90%	1.84%	1.77%	1.42%	-72 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	2.84%	2.71%	2.93%	3.17%	3.49%	3.38%	3.48%	3.59%	+42 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	65.69%	69.63%	72.32%	74.30%	65.21%	67.26%	67.42%	68.86%	-544 bps
Liquid Assets / Assets	22.80%	29.13%	30.63%	19.31%	25.68%	26.26%	35.66%	33.90%	+1,459 bps