Pelkie-Copper Country Community

Pelkie, MI · Charter 63105

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.

Pelkie, MI · Charter 63105

Q2 1999

$6.1MAssets

$4.0MLoans

$6.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.70%-100 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	3.40%	3.92%	2.65%	4.70%	3.52%	4.05%	2.41%	3.70%	-100 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	1.14%	50.45%	71.15%	79.97%	63.24%	8.52%	1.49%	-6,966 bps
Loan Growth (YoY)	n/a	49.49%	95.35%	95.28%	102.91%	47.30%	-10.52%	-20.81%	-11,609 bps
Share Growth (YoY)	n/a	-1.50%	43.42%	68.21%	87.68%	73.02%	22.06%	10.48%	-5,773 bps
Asset Quality
Delinquent Loans / Loans	1.92%	1.82%	2.98%	3.10%	3.04%	3.65%	14.91%	2.50%	-60 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	0.54%	0.50%	1.06%	1.01%	1.66%	2.17%	3.14%	1.88%	+88 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	75.55%	91.61%	99.04%	92.18%	81.69%	77.99%	72.60%	66.07%	-2,611 bps
Liquid Assets / Assets	17.21%	10.79%	3.73%	4.21%	11.20%	13.95%	18.32%	21.11%	+1,690 bps