Culligan USA Employees

Northbrook, IL · Charter 65620

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.

Northbrook, IL · Charter 65620

Q2 1998

$2.2MAssets

$869KLoans

$2.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.34%+25 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	5.39%	4.20%	5.14%	4.09%	4.38%	4.52%	4.70%	4.34%	+25 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	-6.83%	-2.62%	1.51%	2.59%	-4.33%	+250 bps
Loan Growth (YoY)	n/a	n/a	n/a	31.24%	18.86%	-5.19%	-16.50%	-12.48%	-4,371 bps
Share Growth (YoY)	n/a	n/a	n/a	-7.54%	-3.43%	0.82%	2.64%	-4.95%	+260 bps
Asset Quality
Delinquent Loans / Loans	0.67%	1.86%	1.43%	2.43%	1.35%	1.74%	1.63%	0.60%	-183 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	3.34%	2.19%	2.36%	2.25%	2.59%	2.57%	2.83%	2.97%	+73 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	35.77%	49.80%	53.34%	48.11%	44.03%	46.83%	43.40%	44.30%	-381 bps
Liquid Assets / Assets	15.57%	10.02%	12.35%	27.13%	25.96%	21.81%	24.83%	57.82%	+3,070 bps