Usco

East Chicago, IN · Charter 10899

Q2 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: Q2 1998, the quarter ended June 30, 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.

East Chicago, IN · Charter 10899

Q2 1998

$250KAssets

$144KLoans

$142KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-16.95%-2,101 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.33%	3.86%	4.27%	4.05%	3.23%	3.61%	3.39%	-16.95%	-2,101 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	n/a	n/a	-17.08%	-29.64%	-31.91%	-43.07%	-53.93%	-3,684 bps
Loan Growth (YoY)	n/a	n/a	n/a	9.23%	3.63%	-18.24%	-37.21%	-35.82%	-4,505 bps
Share Growth (YoY)	n/a	n/a	n/a	-23.82%	-37.98%	-40.92%	-55.45%	-64.64%	-4,081 bps
Asset Quality
Delinquent Loans / Loans	2.36%	5.28%	2.32%	4.74%	5.45%	4.71%	12.17%	69.14%	+6,440 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	1.70%	0.62%	1.29%	0.58%	3.23%	2.50%	3.03%	17.32%	+1,673 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	47.89%	49.54%	58.08%	55.78%	80.02%	68.56%	81.86%	101.23%	+4,545 bps
Liquid Assets / Assets	55.28%	51.74%	53.53%	50.45%	44.28%	48.05%	20.50%	23.82%	-2,662 bps