General

Fort Wayne, IN · Charter 13719

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.

Fort Wayne, IN · Charter 13719

Q4 1997

$31.2MAssets

$25.5MLoans

$28.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.08%+32 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	YoY Δ	Trend
Earnings
Return on Assets	3.76%	3.93%	4.15%	3.86%	4.08%	+32 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	2.93%	-0.13%	3.07%	-0.41%	n/a
Loan Growth (YoY)	n/a	2.70%	-4.58%	-1.95%	0.77%	n/a
Share Growth (YoY)	n/a	2.47%	-0.38%	1.48%	-0.80%	n/a
Asset Quality
Delinquent Loans / Loans	1.27%	1.33%	1.28%	1.56%	1.39%	+12 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.65%	0.78%	0.82%	0.76%	0.67%	+2 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	87.32%	81.21%	87.35%	84.24%	88.71%	+139 bps
Liquid Assets / Assets	12.52%	16.56%	11.63%	15.07%	9.39%	-314 bps