Indianapolis Hebrew

Indianapolis, IN · Charter 61456

Q2 2001

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 2001, the quarter ended June 30, 2001, 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.

Indianapolis, IN · Charter 61456

Q2 2001

$397KAssets

$0KLoans

$344KShares

$53KNet Worth

Return on Assets (YTD, annualized)

1.28%+51 bps YoY

Net Interest Margin (YTD, annualized)

5.56%

Efficiency Ratio (YTD, annualized)

77.02%

Net Worth / Assets

13.26%

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	Q2 2001	YoY Δ	Trend
Earnings
Return on Assets	2.34%	2.58%	2.50%	0.77%	-1.62%	-1.37%	0.00%	1.28%	+51 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-0.02%	9.64%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.26%	3.73%	5.52%	5.56%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	144.84%	133.04%	100.05%	77.02%	n/a
Growth
Asset Growth (YoY)	13.21%	3.76%	0.94%	-16.12%	-19.67%	-17.74%	-17.03%	-3.37%	+1,274 bps
Loan Growth (YoY)	26.10%	-23.46%	-19.71%	0.84%	-44.07%	-40.94%	-60.03%	-100.00%	-10,084 bps
Share Growth (YoY)	12.15%	6.01%	2.99%	-16.49%	-19.60%	-14.76%	-16.62%	1.55%	+1,804 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	n/a	n/a
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	0.67%	0.75%	0.78%	0.76%	1.20%	1.28%	1.95%	n/a	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	14.29%	13.26%	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	14.29%	13.26%	n/a
Liquidity & Funding
Loans / Shares	35.31%	33.56%	31.04%	39.05%	24.56%	23.25%	14.88%	0.00%	-3,905 bps
Liquid Assets / Assets	39.71%	61.22%	65.08%	49.95%	71.39%	0.00%	82.92%	99.16%	+4,921 bps