West Side Community Committee

Chicago, IL · Charter 66039

Q2 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: Q2 1998, the quarter ended June 30, 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 66039

Q2 1998

$74KAssets

$41KLoans

$54KShares

n/aNet Worth

Return on Assets (YTD, annualized)

16.19%+904 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	4.69%	-1.26%	4.65%	7.15%	9.06%	7.66%	8.10%	16.19%	+904 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	-34.73%	-28.71%	-18.95%	19.30%	10.37%	+4,510 bps
Loan Growth (YoY)	n/a	n/a	n/a	19.36%	8.91%	150.42%	36.85%	2.93%	-1,642 bps
Share Growth (YoY)	n/a	n/a	n/a	-41.88%	-38.63%	-7.81%	4.84%	-0.22%	+4,166 bps
Asset Quality
Delinquent Loans / Loans	22.86%	22.60%	16.18%	14.99%	3.10%	12.31%	18.13%	18.13%	+314 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	16.53%	12.08%	12.55%	9.74%	6.41%	4.67%	7.71%	7.71%	-203 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	54.68%	48.13%	57.74%	73.05%	97.03%	130.73%	75.36%	75.36%	+231 bps
Liquid Assets / Assets	47.13%	62.18%	54.62%	32.46%	22.01%	3.95%	34.32%	33.58%	+112 bps