Dolton-Riverdale Municipal

Dolton, IL · Charter 64396

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.

Dolton, IL · Charter 64396

Q4 1997

$843KAssets

$300KLoans

$697KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.51%-107 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	5.45%	5.16%	5.95%	5.58%	0.73%	3.47%	5.21%	4.51%	-107 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	-10.46%	-12.32%	-8.84%	-5.25%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-15.22%	-15.60%	-23.61%	-42.19%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-12.66%	-15.34%	-11.49%	-6.83%	n/a
Asset Quality
Delinquent Loans / Loans	3.63%	6.03%	8.60%	3.56%	1.03%	1.22%	1.62%	5.10%	+154 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	1.53%	2.16%	2.20%	2.49%	0.89%	1.20%	2.51%	3.98%	+149 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	61.45%	53.84%	63.60%	69.40%	59.65%	53.67%	54.89%	43.06%	-2,634 bps
Liquid Assets / Assets	34.22%	35.86%	40.84%	36.45%	37.52%	37.64%	41.33%	41.18%	+473 bps