Chicago Auto Employees

Burnham, IL · Charter 61855

Q2 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: Q2 1998, the quarter ended June 30, 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.

Burnham, IL · Charter 61855

Q2 1998

$8.3MAssets

$3.6MLoans

$7.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.66%-62 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.00%	3.45%	3.27%	3.27%	3.28%	3.05%	3.11%	2.66%	-62 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	1.13%	-8.76%	-15.76%	-14.50%	-11.71%	-1,284 bps
Loan Growth (YoY)	n/a	n/a	n/a	25.48%	5.15%	-12.92%	-13.22%	-26.03%	-5,151 bps
Share Growth (YoY)	n/a	n/a	n/a	-2.58%	-12.17%	-19.42%	-18.35%	-14.77%	-1,218 bps
Asset Quality
Delinquent Loans / Loans	0.49%	1.88%	1.18%	2.02%	1.83%	3.80%	4.23%	2.06%	+4 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	1.49%	1.39%	1.31%	1.64%	1.89%	1.75%	1.36%	1.62%	-2 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	52.10%	56.44%	59.24%	59.74%	62.37%	60.99%	62.96%	51.84%	-790 bps
Liquid Assets / Assets	21.56%	31.24%	32.82%	29.22%	30.10%	38.99%	35.98%	45.38%	+1,615 bps