Chicagoland

Chicago Hts, IL · Charter 2294

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.

Chicago Hts, IL · Charter 2294

Q2 1997

$14.9MAssets

$11.1MLoans

$13.8MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.65%+13 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	YoY Δ	Trend
Earnings
Return on Assets	3.52%	3.57%	2.16%	3.29%	3.65%	+13 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	16.53%	21.50%	15.06%	n/a
Loan Growth (YoY)	n/a	n/a	34.11%	20.23%	2.36%	n/a
Share Growth (YoY)	n/a	n/a	17.57%	21.82%	17.96%	n/a
Asset Quality
Delinquent Loans / Loans	0.40%	1.31%	1.18%	1.88%	1.26%	+86 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.80%	0.50%	1.38%	1.42%	1.59%	+80 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	92.56%	90.56%	78.24%	83.82%	80.32%	-1,224 bps
Liquid Assets / Assets	5.31%	12.15%	20.56%	16.07%	19.99%	+1,467 bps