Dearborn Postal Employees

Dearborn, MI · Charter 62082

Q4 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: Q4 1997, the quarter ended December 31, 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.

Dearborn, MI · Charter 62082

Q4 1997

$1.2MAssets

$682KLoans

$984KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.04%-11 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	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.26%	3.65%	4.33%	4.15%	3.09%	3.50%	5.44%	4.04%	-11 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	n/a	n/a	-21.18%	-29.46%	-19.89%	-13.09%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	11.81%	-14.89%	-30.89%	-38.46%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-24.60%	-33.55%	-24.74%	-17.30%	n/a
Asset Quality
Delinquent Loans / Loans	0.74%	0.48%	0.83%	1.31%	0.94%	4.64%	6.40%	4.82%	+350 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	5.91%	5.25%	5.12%	5.09%	5.01%	5.96%	4.82%	3.36%	-172 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	64.63%	71.13%	84.37%	93.20%	95.83%	91.10%	77.48%	69.35%	-2,385 bps
Liquid Assets / Assets	31.45%	30.77%	20.51%	14.54%	18.36%	26.00%	36.52%	41.53%	+2,699 bps