Elk Grove Township Schools

Arlington Hts, IL · Charter 64911

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.

Arlington Hts, IL · Charter 64911

Q2 1998

$887KAssets

$690KLoans

$714KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.77%-46 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	3.66%	4.70%	4.38%	4.23%	3.83%	3.89%	3.70%	3.77%	-46 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	-15.42%	-21.76%	-11.61%	-19.07%	-24.01%	-859 bps
Loan Growth (YoY)	n/a	n/a	n/a	20.47%	25.19%	1.63%	0.53%	7.25%	-1,323 bps
Share Growth (YoY)	n/a	n/a	n/a	-19.10%	-25.63%	-14.21%	-22.83%	-28.62%	-952 bps
Asset Quality
Delinquent Loans / Loans	0.37%	0.57%	2.26%	1.92%	0.45%	0.51%	0.86%	0.40%	-151 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	0.68%	0.55%	0.53%	0.63%	0.55%	0.65%	1.30%	1.45%	+82 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	49.02%	69.13%	77.76%	64.34%	82.52%	81.89%	101.30%	96.67%	+3,233 bps
Liquid Assets / Assets	32.67%	27.29%	24.44%	16.23%	21.89%	30.70%	10.18%	21.46%	+523 bps