Entenmann's Employees

Northlake, IL · Charter 66017

Q2 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: Q2 1997, the quarter ended June 30, 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.

Northlake, IL · Charter 66017

Q2 1997

$1.1MAssets

$322KLoans

$835KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.47%-46 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	YoY Δ	Trend
Earnings
Return on Assets	3.93%	4.65%	3.90%	4.11%	3.47%	-46 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	-13.55%	-20.01%	-14.98%	n/a
Loan Growth (YoY)	n/a	n/a	-12.46%	-7.76%	-18.48%	n/a
Share Growth (YoY)	n/a	n/a	-18.76%	-26.94%	-21.00%	n/a
Asset Quality
Delinquent Loans / Loans	11.62%	9.56%	11.11%	9.06%	4.10%	-751 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	18.86%	12.40%	13.72%	12.40%	10.88%	-797 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	37.35%	45.84%	45.30%	44.49%	38.54%	+119 bps
Liquid Assets / Assets	67.11%	61.25%	66.88%	70.86%	63.45%	-367 bps