R M Employees

Dearborn Hts, MI · Charter 6720

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.

Dearborn Hts, MI · Charter 6720

Q4 1998

$867KAssets

$568KLoans

$760KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.85%-232 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 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	1.47%	0.41%	0.26%	-0.26%	-0.85%	-232 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	-14.23%	-12.58%	-13.15%	-17.39%	-15.04%	-80 bps
Loan Growth (YoY)	-8.76%	-19.74%	-6.77%	-21.62%	-30.27%	-2,150 bps
Share Growth (YoY)	-15.98%	-13.78%	-13.60%	-18.15%	-14.27%	+171 bps
Asset Quality
Delinquent Loans / Loans	0.38%	1.91%	2.90%	2.33%	2.80%	+242 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.46%	1.61%	1.28%	1.51%	0.35%	-111 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	91.93%	87.01%	94.60%	78.63%	74.78%	-1,715 bps
Liquid Assets / Assets	16.06%	22.90%	14.96%	28.79%	31.47%	+1,541 bps