J&O Employees

Chicago, IL · Charter 65901

Q4 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: Q4 1998, the quarter ended December 31, 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 65901

Q4 1998

$195KAssets

$118KLoans

$160KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.54%-78 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	4.21%	3.03%	1.52%	2.32%	1.49%	-1.90%	1.60%	1.54%	-78 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	-8.89%	-6.24%	-18.03%	-21.46%	-25.70%	-29.29%	-2,305 bps
Loan Growth (YoY)	n/a	n/a	45.36%	-3.62%	0.49%	2.80%	-16.45%	-27.17%	-2,355 bps
Share Growth (YoY)	n/a	n/a	-11.79%	-9.05%	-21.85%	-22.35%	-28.77%	-31.85%	-2,280 bps
Asset Quality
Delinquent Loans / Loans	1.79%	2.69%	3.30%	4.79%	10.05%	4.15%	0.40%	13.16%	+837 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	1.25%	1.09%	2.54%	2.65%	2.69%	0.86%	1.39%	3.93%	+128 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	60.86%	66.38%	66.73%	69.33%	78.26%	87.88%	78.27%	74.09%	+476 bps
Liquid Assets / Assets	40.36%	33.34%	33.48%	30.99%	26.72%	16.11%	13.80%	15.86%	-1,512 bps