Morton International Employees

Chicago, IL · Charter 65957

Q2 1999

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 1999, the quarter ended June 30, 1999, 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 65957

Q2 1999

$2.5MAssets

$830KLoans

$2.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.23%-9 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	4.26%	4.33%	4.46%	4.32%	4.68%	4.31%	4.37%	4.23%	-9 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	2.04%	-5.92%	-1.50%	-7.72%	-6.38%	-5.01%	-5.98%	-448 bps
Loan Growth (YoY)	n/a	17.77%	17.95%	9.01%	17.51%	0.26%	-8.16%	-21.89%	-3,090 bps
Share Growth (YoY)	n/a	0.53%	-8.50%	-3.81%	-10.80%	-9.28%	-7.78%	-12.54%	-873 bps
Asset Quality
Delinquent Loans / Loans	2.94%	0.77%	0.78%	0.79%	2.23%	11.55%	7.36%	7.08%	+629 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	4.40%	4.87%	4.22%	4.32%	4.91%	4.37%	4.24%	4.52%	+20 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	37.92%	38.99%	43.55%	44.07%	49.96%	43.10%	43.37%	39.36%	-471 bps
Liquid Assets / Assets	25.41%	28.34%	25.28%	19.57%	24.40%	31.78%	25.29%	33.74%	+1,417 bps