United Area

Warren, MI · Charter 7431

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.

Warren, MI · Charter 7431

Q2 2000

$6.2MAssets

$1.7MLoans

$5.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.03%-298 bps YoY

Net Interest Margin (YTD, annualized)

3.85%

Efficiency Ratio (YTD, annualized)

94.73%

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	3.04%	3.28%	3.17%	3.02%	2.97%	2.57%	0.03%	0.03%	-298 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	4.26%	3.85%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	93.76%	94.73%	n/a
Growth
Asset Growth (YoY)	2.97%	7.46%	14.75%	12.67%	11.10%	7.99%	4.01%	5.21%	-745 bps
Loan Growth (YoY)	4.92%	3.35%	-0.80%	0.88%	-2.76%	-5.78%	-7.73%	-14.99%	-1,587 bps
Share Growth (YoY)	0.13%	6.62%	16.64%	13.01%	12.36%	7.78%	5.25%	5.68%	-733 bps
Asset Quality
Delinquent Loans / Loans	1.07%	1.60%	1.08%	1.12%	1.14%	3.26%	2.31%	1.44%	+32 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	1.00%	0.55%	0.32%	0.25%	0.26%	0.27%	0.65%	0.34%	+9 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	47.81%	44.42%	44.75%	41.60%	41.37%	38.83%	39.23%	33.46%	-814 bps
Liquid Assets / Assets	28.02%	29.75%	55.94%	25.33%	42.02%	30.56%	38.17%	33.63%	+830 bps