Pyramid Employees

Chicago, IL · Charter 65730

Q4 1997

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 1997, the quarter ended December 31, 1997, 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 65730

Q4 1997

$480KAssets

$155KLoans

$348KShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.60%-104 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.42%	4.66%	7.38%	6.64%	4.35%	4.05%	6.15%	5.60%	-104 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	n/a	-18.47%	-14.54%	-23.43%	-25.05%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-27.54%	-2.69%	-18.59%	1.20%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-25.60%	-21.31%	-31.83%	-33.36%	n/a
Asset Quality
Delinquent Loans / Loans	1.12%	8.53%	6.34%	0.14%	3.49%	2.30%	3.04%	0.40%	+25 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	5.93%	6.28%	5.41%	1.46%	1.96%	6.86%	6.95%	6.53%	+507 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	23.90%	24.81%	33.16%	29.20%	23.28%	30.67%	39.60%	44.35%	+1,515 bps
Liquid Assets / Assets	74.29%	70.96%	65.86%	63.77%	71.17%	68.54%	25.43%	59.23%	-453 bps