Christian Community

Taylor, MI · Charter 61203

Q4 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: Q4 1999, the quarter ended December 31, 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.

Taylor, MI · Charter 61203

Q4 1999

$6.0MAssets

$4.0MLoans

$5.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-8.98%-1,249 bps YoY

Net Interest Margin (YTD, annualized)

4.63%

n/a

Efficiency Ratio (YTD, annualized)

251%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.23%	3.36%	3.34%	3.51%	3.20%	3.52%	3.37%	-8.98%	-1,249 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	4.63%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	251%	n/a	n/a
Growth
Asset Growth (YoY)	5.76%	5.73%	9.25%	15.87%	20.77%	22.70%	18.58%	2.03%	-1,384 bps
Loan Growth (YoY)	53.39%	39.88%	31.89%	38.06%	27.91%	22.40%	20.60%	12.96%	-2,510 bps
Share Growth (YoY)	3.80%	3.82%	7.60%	14.88%	21.19%	23.19%	18.74%	11.73%	-315 bps
Asset Quality
Delinquent Loans / Loans	0.63%	0.56%	1.54%	0.37%	0.58%	1.17%	1.06%	0.29%	-9 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	0.51%	0.25%	0.88%	0.56%	0.69%	0.29%	0.53%	0.74%	+18 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	53.11%	58.48%	58.23%	66.50%	56.06%	58.11%	59.15%	67.24%	+73 bps
Liquid Assets / Assets	32.68%	35.00%	30.26%	16.93%	30.43%	19.01%	25.14%	16.46%	-47 bps