Chicago Tube & Iron Co. Employees

Chicago, IL · Charter 65423

Q2 2000

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 2000, the quarter ended June 30, 2000, 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, IL · Charter 65423

Q2 2000

$229KAssets

$33KLoans

$206KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-2.54%-572 bps YoY

Net Interest Margin (YTD, annualized)

3.12%

Efficiency Ratio (YTD, annualized)

100.31%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	2.98%	3.69%	2.86%	3.18%	2.81%	2.05%	0.25%	-2.54%	-572 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	2.48%	3.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	90.78%	100.31%	n/a
Growth
Asset Growth (YoY)	-7.14%	-9.40%	-11.13%	-4.08%	31.18%	35.54%	20.61%	9.32%	+1,340 bps
Loan Growth (YoY)	-2.34%	-7.37%	-28.52%	-44.69%	-34.60%	-27.63%	-22.37%	-11.86%	+3,283 bps
Share Growth (YoY)	-10.08%	-11.91%	-12.42%	-4.00%	35.83%	41.87%	22.98%	10.58%	+1,458 bps
Asset Quality
Delinquent Loans / Loans	5.98%	7.72%	8.68%	7.18%	7.69%	0.00%	0.00%	3.37%	-380 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	6.27%	7.07%	5.79%	8.34%	9.49%	4.59%	4.98%	8.75%	+41 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	39.65%	34.01%	26.90%	20.13%	19.09%	17.35%	16.98%	16.05%	-409 bps
Liquid Assets / Assets	59.99%	67.69%	70.96%	74.80%	78.59%	79.44%	78.84%	81.27%	+647 bps