Olympic Packaging Employees

Mundelein, IL · Charter 16489

Q2 1997

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 1997, the quarter ended June 30, 1997, 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.

Mundelein, IL · Charter 16489

Q2 1997

$229KAssets

$163KLoans

$155KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.45%-159 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	Q4 1996	Q2 1997	YoY Δ	Trend
Earnings
Return on Assets	3.30%	3.37%	4.03%	3.69%	3.34%	4.29%	2.45%	-159 bps
Return on Equity	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
Efficiency Ratio	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	n/a	-19.19%	-19.48%	-31.42%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-4.28%	-14.13%	-36.67%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-25.67%	-26.35%	-40.34%	n/a
Asset Quality
Delinquent Loans / Loans	1.60%	1.51%	4.24%	6.71%	4.55%	5.05%	0.00%	-424 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	3.58%	3.84%	3.78%	3.85%	3.95%	4.56%	0.62%	-316 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	84.37%	85.37%	98.93%	105.67%	108.66%	99.55%	105.03%	+610 bps
Liquid Assets / Assets	26.12%	27.00%	18.99%	17.24%	17.80%	15.73%	16.35%	-264 bps