Wirtz Employees

Port Huron, MI · Charter 21961

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.

Port Huron, MI · Charter 21961

Q2 1999

$494KAssets

$328KLoans

$422KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.69%+73 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 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	1.97%	2.63%	2.87%	3.12%	2.69%	+73 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)	-5.89%	-1.61%	-10.60%	-7.54%	-7.28%	-139 bps
Loan Growth (YoY)	2.31%	-15.58%	-13.58%	-10.77%	-2.47%	-477 bps
Share Growth (YoY)	-7.55%	-2.48%	-11.55%	-9.64%	-11.74%	-420 bps
Asset Quality
Delinquent Loans / Loans	1.37%	1.03%	1.22%	0.60%	0.96%	-41 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.94%	0.98%	0.90%	0.98%	0.96%	+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	70.44%	66.30%	75.82%	76.35%	77.84%	+740 bps
Liquid Assets / Assets	35.87%	39.90%	30.41%	30.58%	31.65%	-421 bps