School Dist. #194 Employees

Chicago Heights, IL · Charter 61568

Q4 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: Q4 1997, the quarter ended December 31, 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 Heights, IL · Charter 61568

Q4 1997

$449KAssets

$191KLoans

$394KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.18%+16 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.59%	2.43%	3.60%	3.02%	3.86%	2.71%	2.97%	3.18%	+16 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	n/a	n/a	-15.98%	-8.66%	-9.39%	-9.01%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	9.60%	-11.96%	-39.04%	-41.32%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-18.68%	-10.73%	-10.97%	-9.92%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.54%	+854 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	2.78%	2.52%	2.26%	2.78%	3.09%	3.27%	3.95%	4.74%	+196 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	51.91%	65.76%	73.10%	74.33%	69.97%	64.85%	50.05%	48.42%	-2,591 bps
Liquid Assets / Assets	51.53%	40.60%	33.77%	34.55%	37.91%	43.50%	54.81%	57.77%	+2,322 bps