Warrendale Community

Detroit, MI · Charter 61905

Q2 2000

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 2000, the quarter ended June 30, 2000, 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 61905

Q2 2000

$12.3MAssets

$5.8MLoans

$11.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

0.60%-212 bps YoY

Net Interest Margin (YTD, annualized)

5.29%

Efficiency Ratio (YTD, annualized)

84.67%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.72%	2.28%	2.03%	0.30%	0.60%	-212 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	5.13%	5.29%	n/a
Efficiency Ratio	n/a	n/a	n/a	88.89%	84.67%	n/a
Growth
Asset Growth (YoY)	8.70%	16.07%	10.82%	8.74%	15.58%	+688 bps
Loan Growth (YoY)	-0.50%	-8.39%	-11.52%	-8.89%	-2.31%	-181 bps
Share Growth (YoY)	7.77%	17.30%	11.08%	9.03%	16.81%	+904 bps
Asset Quality
Delinquent Loans / Loans	1.04%	1.27%	0.92%	0.88%	0.26%	-78 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.05%	1.05%	0.96%	0.89%	0.82%	-23 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	61.44%	57.77%	52.88%	54.98%	51.39%	-1,006 bps
Liquid Assets / Assets	6.36%	9.24%	30.67%	8.42%	28.37%	+2,202 bps