Glenbrook

Northbrook, IL · Charter 60277

Q4 1999

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 1999, the quarter ended December 31, 1999, 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.

Northbrook, IL · Charter 60277

Q4 1999

$23.4MAssets

$15.1MLoans

$20.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.37%-262 bps YoY

Net Interest Margin (YTD, annualized)

4.70%

n/a

Efficiency Ratio (YTD, annualized)

69.59%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.42%	3.87%	3.61%	4.00%	3.65%	3.86%	3.45%	1.37%	-262 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	4.70%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	69.59%	n/a	n/a
Growth
Asset Growth (YoY)	6.00%	21.61%	20.43%	19.00%	17.44%	8.78%	8.41%	4.13%	-1,488 bps
Loan Growth (YoY)	18.52%	23.04%	21.20%	17.47%	15.48%	8.89%	8.71%	12.28%	-519 bps
Share Growth (YoY)	4.06%	18.04%	17.17%	16.23%	13.93%	7.05%	7.49%	1.36%	-1,486 bps
Asset Quality
Delinquent Loans / Loans	0.46%	1.02%	2.35%	2.20%	1.74%	1.42%	1.27%	0.01%	-219 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	0.46%	0.91%	1.01%	0.91%	0.86%	0.80%	0.91%	0.70%	-20 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	57.47%	64.47%	59.15%	66.50%	58.26%	65.58%	59.82%	73.66%	+716 bps
Liquid Assets / Assets	27.23%	21.84%	25.91%	17.87%	21.33%	21.34%	21.25%	9.30%	-857 bps