Safeway Employees

Chicago Hts, IL · Charter 65453

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.

Chicago Hts, IL · Charter 65453

Q2 1998

$238KAssets

$83KLoans

$187KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.20%-243 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	4.45%	3.52%	4.17%	3.63%	3.13%	4.61%	3.59%	1.20%	-243 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	-23.58%	-23.58%	-21.98%	-26.59%	-24.32%	-74 bps
Loan Growth (YoY)	n/a	n/a	n/a	-27.86%	-22.63%	-10.69%	-21.99%	-29.44%	-158 bps
Share Growth (YoY)	n/a	n/a	n/a	-26.78%	-23.20%	-25.91%	-31.03%	-28.08%	-130 bps
Asset Quality
Delinquent Loans / Loans	0.30%	0.14%	1.43%	0.21%	2.36%	2.32%	0.58%	0.00%	-21 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	6.58%	8.59%	9.54%	11.23%	10.53%	9.65%	8.88%	12.06%	+83 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	46.75%	47.76%	50.58%	45.20%	47.09%	57.56%	57.20%	44.34%	-85 bps
Liquid Assets / Assets	19.89%	56.70%	34.18%	56.02%	61.18%	55.31%	53.24%	59.22%	+320 bps