Greenlee

Rockford, IL · Charter 65625

Q4 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: Q4 2000, the quarter ended December 31, 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.

Rockford, IL · Charter 65625

Q4 2000

$9.3MAssets

$4.7MLoans

$8.4MShares

$813KNet Worth

Return on Assets (YTD, annualized)

0.96%-244 bps YoY

Net Interest Margin (YTD, annualized)

4.22%

Efficiency Ratio (YTD, annualized)

78.52%

Net Worth / Assets

8.78%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	Q4 2000	YoY Δ	Trend
Earnings
Return on Assets	3.12%	3.33%	3.22%	3.40%	3.12%	0.52%	0.81%	0.96%	-244 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	10.91%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.17%	3.96%	4.22%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	81.55%	81.75%	78.52%	n/a
Growth
Asset Growth (YoY)	-3.27%	-2.04%	-0.26%	8.39%	4.16%	2.00%	4.82%	-2.40%	-1,079 bps
Loan Growth (YoY)	-7.43%	-0.74%	8.25%	9.30%	3.59%	-1.80%	0.75%	6.75%	-255 bps
Share Growth (YoY)	-3.83%	-3.00%	-1.69%	6.85%	1.77%	0.95%	4.39%	-3.64%	-1,049 bps
Asset Quality
Delinquent Loans / Loans	1.62%	1.37%	1.51%	2.19%	0.89%	0.47%	0.21%	0.06%	-213 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	0.59%	0.67%	0.62%	0.68%	0.60%	0.71%	0.57%	0.15%	-52 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.78%	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	8.78%	n/a	n/a
Liquidity & Funding
Loans / Shares	48.95%	54.02%	51.53%	50.46%	49.83%	52.55%	49.73%	55.90%	+544 bps
Liquid Assets / Assets	22.17%	18.89%	16.59%	13.73%	11.20%	13.03%	13.57%	17.20%	+347 bps