Associated Truck Employees

Chicago, IL · Charter 66065

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 66065

Q4 1998

$360KAssets

$251KLoans

$287KShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.72%-83 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	2.35%	2.90%	2.00%	1.55%	2.86%	1.81%	1.73%	0.72%	-83 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	-19.51%	-22.59%	-15.13%	-5.06%	-1.38%	-14.55%	+805 bps
Loan Growth (YoY)	n/a	n/a	-28.77%	-21.00%	8.85%	4.67%	-6.61%	-9.36%	+1,164 bps
Share Growth (YoY)	n/a	n/a	-24.61%	-27.13%	-18.76%	-6.62%	-2.03%	-15.78%	+1,135 bps
Asset Quality
Delinquent Loans / Loans	13.60%	10.47%	7.75%	9.95%	6.37%	7.69%	8.97%	12.13%	+218 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	1.76%	0.96%	0.96%	1.03%	0.87%	0.99%	1.11%	2.94%	+191 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	72.14%	81.54%	87.98%	81.47%	96.66%	91.40%	83.86%	87.68%	+621 bps
Liquid Assets / Assets	28.46%	23.79%	18.64%	19.05%	15.84%	16.34%	28.29%	25.07%	+602 bps