New Castle State Developmental Ctr

New Castle, IN · Charter 65748

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.

New Castle, IN · Charter 65748

Q4 1997

$1.7MAssets

$838KLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.94%-785 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	5.43%	6.08%	6.86%	6.91%	6.78%	6.96%	6.16%	-0.94%	-785 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	4.15%	6.63%	10.12%	9.44%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	28.20%	14.06%	1.33%	-21.32%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-4.05%	-1.74%	2.87%	19.01%	n/a
Asset Quality
Delinquent Loans / Loans	0.06%	0.00%	0.80%	0.00%	0.00%	0.18%	0.56%	0.40%	+40 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	0.29%	0.26%	0.25%	0.23%	0.23%	0.23%	0.24%	1.56%	+133 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	65.73%	78.86%	86.31%	91.20%	87.82%	91.54%	85.02%	60.29%	-3,091 bps
Liquid Assets / Assets	34.61%	23.59%	22.56%	18.88%	27.40%	21.22%	27.24%	40.13%	+2,126 bps