St Therese Hospital Employees

Waukegan, IL · Charter 16081

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Waukegan, IL · Charter 16081

Q2 1996

$1.2MAssets

$828KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.27%+29 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	2.99%	3.46%	3.82%	3.81%	3.27%	+29 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)	n/a	n/a	n/a	n/a	-0.33%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	19.61%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	1.11%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.38%	1.33%	0.00%	7.70%	3.26%	+288 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.74%	1.04%	0.50%	0.88%	1.21%	+47 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	63.83%	81.15%	81.54%	91.71%	75.50%	+1,168 bps
Liquid Assets / Assets	33.18%	5.98%	13.39%	20.11%	16.69%	-1,649 bps