Pottery

Robinson, IL · Charter 60901

Q2 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: Q2 1999, the quarter ended June 30, 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.

Robinson, IL · Charter 60901

Q2 1999

$378KAssets

$230KLoans

$228KShares

n/aNet Worth

Return on Assets (YTD, annualized)

6.60%+275 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	5.17%	3.65%	4.80%	3.85%	4.27%	3.82%	4.61%	6.60%	+275 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	-1.70%	-9.26%	-3.66%	0.30%	4.14%	-0.81%	-53.48%	-4,981 bps
Loan Growth (YoY)	n/a	-3.74%	10.56%	15.84%	20.37%	17.82%	-13.79%	-47.52%	-6,336 bps
Share Growth (YoY)	n/a	-2.27%	-11.41%	-4.89%	0.55%	4.49%	-1.37%	-65.69%	-6,080 bps
Asset Quality
Delinquent Loans / Loans	7.21%	6.14%	2.29%	1.69%	2.25%	2.10%	3.07%	4.64%	+295 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	1.34%	1.33%	1.05%	1.00%	0.69%	1.10%	0.51%	0.83%	-17 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	56.58%	46.85%	68.13%	66.00%	67.73%	52.83%	59.55%	100.96%	+3,496 bps
Liquid Assets / Assets	48.95%	51.09%	41.75%	40.00%	42.49%	47.14%	42.73%	19.39%	-2,061 bps