Naper Tech

Naperville, IL · Charter 20592

Q4 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: Q4 1996, the quarter ended December 31, 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.

Naperville, IL · Charter 20592

Q4 1996

$27.2MAssets

$18.1MLoans

$24.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.98%+40 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	YoY Δ	Trend
Earnings
Return on Assets	3.62%	3.57%	4.16%	4.10%	3.75%	3.98%	+40 bps
Return on Equity	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
Efficiency Ratio	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	15.55%	11.10%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	24.00%	20.31%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	14.57%	8.62%	n/a
Asset Quality
Delinquent Loans / Loans	1.61%	1.70%	2.50%	2.16%	2.95%	2.57%	+87 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.33%	1.33%	1.20%	1.23%	1.19%	1.29%	-3 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	64.09%	66.76%	66.44%	73.83%	69.36%	73.94%	+718 bps
Liquid Assets / Assets	24.29%	24.04%	26.85%	18.37%	20.86%	21.31%	-273 bps