Our Lady of Fatima

Oak Park, MI · Charter 62395

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.

Oak Park, MI · Charter 62395

Q2 2000

$810KAssets

$380KLoans

$677KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.48%-331 bps YoY

Net Interest Margin (YTD, annualized)

4.12%

Efficiency Ratio (YTD, annualized)

88.42%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	3.90%	4.27%	4.12%	3.79%	4.95%	2.86%	0.65%	0.48%	-331 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	5.39%	4.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	88.11%	88.42%	n/a
Growth
Asset Growth (YoY)	-10.23%	-22.88%	-23.70%	-19.54%	-17.75%	18.66%	22.07%	37.05%	+5,658 bps
Loan Growth (YoY)	0.81%	14.42%	13.48%	17.24%	29.19%	7.53%	-12.37%	-20.95%	-3,818 bps
Share Growth (YoY)	-14.60%	-28.59%	-29.79%	-26.07%	-24.42%	17.91%	22.49%	41.59%	+6,766 bps
Asset Quality
Delinquent Loans / Loans	9.74%	4.15%	4.49%	2.86%	6.46%	5.70%	5.35%	4.47%	+162 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	5.97%	5.69%	4.37%	2.61%	2.21%	2.90%	1.74%	3.45%	+83 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	61.88%	88.19%	102.95%	100.43%	105.77%	80.43%	73.65%	56.07%	-4,436 bps
Liquid Assets / Assets	37.34%	16.13%	8.74%	8.58%	5.74%	26.36%	0.00%	0.00%	-858 bps