Illiana

Calumet City, IL · Charter 1424

Q4 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: Q4 1999, the quarter ended December 31, 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.

Calumet City, IL · Charter 1424

Q4 1999

$84.8MAssets

$53.7MLoans

$67.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

2.06%-208 bps YoY

Net Interest Margin (YTD, annualized)

4.58%

Efficiency Ratio (YTD, annualized)

56.89%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1998	Q1 1999	Q2 1999	Q3 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.14%	4.02%	4.19%	2.06%	2.06%	-208 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	4.57%	4.58%	n/a
Efficiency Ratio	n/a	n/a	n/a	56.70%	56.89%	n/a
Growth
Asset Growth (YoY)	8.93%	10.17%	9.14%	9.39%	2.31%	-662 bps
Loan Growth (YoY)	4.24%	2.96%	0.18%	2.00%	2.70%	-154 bps
Share Growth (YoY)	8.46%	10.00%	8.80%	8.93%	0.47%	-799 bps
Asset Quality
Delinquent Loans / Loans	0.51%	0.51%	0.49%	0.46%	0.41%	-10 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.56%	0.62%	0.62%	0.61%	0.58%	+2 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	78.26%	73.77%	74.67%	79.23%	80.00%	+174 bps
Liquid Assets / Assets	29.90%	28.44%	21.89%	22.02%	21.78%	-812 bps