St. Sylvester Parish

Warren, MI · Charter 62434

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Warren, MI · Charter 62434

Q2 1999

$1.1MAssets

$471KLoans

$887KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.46%-175 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.56%	2.87%	0.31%	2.21%	2.67%	1.13%	1.23%	0.46%	-175 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	-3.92%	-10.84%	-7.29%	-10.62%	-13.71%	-13.30%	-21.24%	-1,395 bps
Loan Growth (YoY)	n/a	-33.72%	-33.64%	-39.18%	-37.83%	-29.45%	-29.75%	-27.43%	+1,175 bps
Share Growth (YoY)	n/a	-7.58%	-11.84%	-5.77%	-9.86%	-13.09%	-14.95%	-23.73%	-1,796 bps
Asset Quality
Delinquent Loans / Loans	4.46%	3.37%	4.12%	2.38%	2.15%	4.37%	5.35%	0.27%	-211 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	1.45%	0.59%	2.59%	3.40%	2.01%	1.72%	2.03%	2.22%	-118 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	81.04%	63.16%	68.77%	55.84%	55.89%	51.26%	56.80%	53.14%	-271 bps
Liquid Assets / Assets	25.73%	44.19%	38.96%	49.07%	46.90%	52.67%	46.17%	47.26%	-181 bps