Insurance Employee

Fort Wayne, IN · Charter 4922

Q2 1998

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 1998, the quarter ended June 30, 1998, 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 4922

Q2 1998

$29.7MAssets

$20.2MLoans

$27.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.24%-58 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.59%	3.57%	3.70%	3.82%	3.90%	3.94%	4.09%	3.24%	-58 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	10.85%	16.09%	16.31%	9.78%	5.17%	-567 bps
Loan Growth (YoY)	n/a	n/a	n/a	20.34%	16.99%	19.17%	15.15%	3.15%	-1,719 bps
Share Growth (YoY)	n/a	n/a	n/a	10.27%	15.86%	16.03%	9.09%	4.57%	-570 bps
Asset Quality
Delinquent Loans / Loans	2.24%	0.06%	0.59%	0.14%	1.24%	0.38%	0.62%	0.89%	+75 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	0.24%	0.23%	0.22%	0.14%	0.19%	0.32%	0.38%	0.46%	+32 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	80.10%	75.94%	75.42%	74.71%	80.89%	78.00%	79.61%	73.70%	-102 bps
Liquid Assets / Assets	10.72%	11.99%	16.60%	13.41%	11.37%	13.64%	19.45%	26.64%	+1,323 bps