PTD Employees

Crystal Lake, IL · Charter 21729

Q4 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: Q4 1998, the quarter ended December 31, 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.

Crystal Lake, IL · Charter 21729

Q4 1998

$473KAssets

$207KLoans

$405KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.06%-142 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.31%	4.68%	4.19%	3.49%	3.14%	2.07%	1.57%	2.06%	-142 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	-8.62%	-14.45%	-4.66%	-18.21%	-18.22%	-20.40%	-595 bps
Loan Growth (YoY)	n/a	n/a	-6.38%	-11.69%	-8.58%	-38.50%	-47.37%	-42.98%	-3,130 bps
Share Growth (YoY)	n/a	n/a	-11.25%	-17.84%	-6.38%	-20.93%	-20.52%	-22.53%	-469 bps
Asset Quality
Delinquent Loans / Loans	5.16%	3.22%	9.15%	2.26%	5.70%	6.15%	4.63%	12.13%	+988 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	4.12%	4.25%	4.47%	1.94%	3.09%	2.33%	6.02%	6.76%	+482 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	64.56%	79.85%	77.37%	69.38%	63.05%	62.11%	51.24%	51.06%	-1,832 bps
Liquid Assets / Assets	22.19%	22.53%	22.45%	23.58%	24.17%	30.28%	29.06%	31.49%	+791 bps