Lakeland Catholic

Drayton Plains, MI · Charter 61349

Q2 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: Q2 1997, the quarter ended June 30, 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.

Drayton Plains, MI · Charter 61349

Q2 1997

$1.9MAssets

$1.2MLoans

$1.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.42%0 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	1.80%	1.88%	2.42%	2.70%	2.90%	2.70%	2.42%	0 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-13.17%	-19.35%	-14.50%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	47.89%	-8.56%	-18.37%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-16.02%	-19.32%	-10.99%	n/a
Asset Quality
Delinquent Loans / Loans	0.73%	0.87%	0.68%	0.53%	0.26%	0.01%	4.59%	+391 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.89%	0.63%	1.05%	1.20%	0.66%	0.58%	0.54%	-50 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	45.14%	63.27%	76.93%	94.80%	79.50%	71.70%	70.55%	-638 bps
Liquid Assets / Assets	52.84%	37.32%	25.19%	7.24%	21.62%	33.07%	20.86%	-433 bps