Inland Steel

Chicago, IL · Charter 65594

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, IL · Charter 65594

Q2 1998

$1.3MAssets

$747KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.05%+194 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	2.30%	2.96%	3.15%	3.10%	3.37%	3.67%	4.38%	5.05%	+194 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	-25.71%	-18.05%	-22.65%	-25.12%	-17.06%	+865 bps
Loan Growth (YoY)	n/a	n/a	n/a	-21.98%	-24.19%	-10.09%	-0.53%	-6.18%	+1,579 bps
Share Growth (YoY)	n/a	n/a	n/a	-28.48%	-21.26%	-26.92%	-30.74%	-22.11%	+637 bps
Asset Quality
Delinquent Loans / Loans	4.26%	1.89%	2.86%	7.50%	4.61%	6.59%	4.92%	3.53%	-397 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	4.57%	4.26%	5.33%	7.53%	9.92%	9.50%	10.82%	11.54%	+401 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	63.34%	61.49%	60.43%	59.07%	60.99%	75.65%	86.79%	71.15%	+1,208 bps
Liquid Assets / Assets	33.47%	45.47%	42.94%	46.41%	46.34%	39.31%	10.76%	35.32%	-1,109 bps