FR Patrick Kelly K C

Dearborn, MI · Charter 10103

Q2 1999

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: Q2 1999, the quarter ended June 30, 1999, 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.

Dearborn, MI · Charter 10103

Q2 1999

$549KAssets

$468KLoans

$522KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-7.11%-1,064 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.07%	2.92%	3.18%	3.54%	3.59%	3.02%	-4.61%	-7.11%	-1,064 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	12.42%	13.25%	27.68%	21.15%	1.42%	-0.93%	-15.89%	-4,357 bps
Loan Growth (YoY)	n/a	82.73%	26.80%	22.47%	10.55%	-5.20%	16.30%	-1.00%	-2,347 bps
Share Growth (YoY)	n/a	14.26%	15.17%	34.32%	29.90%	1.02%	6.50%	-5.11%	-3,944 bps
Asset Quality
Delinquent Loans / Loans	6.88%	1.53%	1.99%	5.69%	21.47%	15.93%	15.50%	23.98%	+1,829 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	4.89%	4.09%	5.02%	5.01%	4.64%	0.52%	6.65%	13.34%	+833 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	111.29%	94.55%	85.94%	85.93%	94.71%	88.73%	93.85%	89.66%	+373 bps
Liquid Assets / Assets	10.86%	19.69%	28.61%	21.64%	9.91%	15.77%	16.58%	9.90%	-1,174 bps