Holy Cross Council

Detroit, MI · Charter 61868

Q4 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: Q4 1998, the quarter ended December 31, 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.

Detroit, MI · Charter 61868

Q4 1998

$455KAssets

$277KLoans

$368KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.27%-138 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	2.44%	2.79%	4.50%	3.66%	3.71%	1.27%	2.45%	2.27%	-138 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	-11.39%	-8.78%	-5.93%	-4.21%	-4.90%	-19.45%	-1,067 bps
Loan Growth (YoY)	n/a	n/a	44.73%	31.16%	10.25%	-1.37%	-17.06%	-29.56%	-6,072 bps
Share Growth (YoY)	n/a	n/a	-14.90%	-13.23%	-9.72%	-5.71%	-6.62%	-21.91%	-868 bps
Asset Quality
Delinquent Loans / Loans	7.33%	6.64%	4.24%	5.51%	2.62%	7.70%	0.12%	6.84%	+133 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	3.46%	2.00%	4.45%	4.10%	4.46%	4.42%	5.37%	4.34%	+24 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	69.41%	81.45%	78.58%	83.58%	84.75%	85.20%	69.80%	75.39%	-819 bps
Liquid Assets / Assets	35.33%	25.81%	24.40%	23.32%	23.64%	22.52%	35.81%	36.55%	+1,323 bps