Orion-Oxford Community

Lake Orion, MI · Charter 62083

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.

Lake Orion, MI · Charter 62083

Q4 1998

$6.3MAssets

$2.6MLoans

$5.6MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.54%-38 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	4.08%	4.35%	3.58%	3.92%	3.99%	3.87%	3.97%	3.54%	-38 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	17.08%	2.06%	2.62%	7.39%	12.45%	30.89%	+2,883 bps
Loan Growth (YoY)	n/a	n/a	15.17%	1.09%	3.00%	9.04%	4.06%	0.42%	-67 bps
Share Growth (YoY)	n/a	n/a	15.29%	-0.72%	0.01%	5.57%	10.96%	32.12%	+3,284 bps
Asset Quality
Delinquent Loans / Loans	1.01%	1.55%	2.12%	1.86%	2.06%	0.91%	2.55%	1.60%	-27 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	1.64%	1.54%	1.22%	1.23%	1.13%	0.96%	1.23%	0.89%	-33 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	62.13%	63.44%	58.70%	61.88%	63.99%	65.52%	55.05%	47.04%	-1,485 bps
Liquid Assets / Assets	35.59%	22.02%	23.76%	24.95%	30.70%	28.50%	42.29%	46.72%	+2,177 bps