Stone 360 Employees

Chicago, IL · Charter 66090

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 66090

Q2 1998

$556KAssets

$212KLoans

$518KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.41%+38 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	3.52%	4.44%	4.32%	4.04%	4.60%	5.17%	5.21%	4.41%	+38 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	14.26%	15.36%	19.28%	21.88%	2.42%	-1,184 bps
Loan Growth (YoY)	n/a	n/a	n/a	25.09%	12.07%	9.68%	8.90%	21.77%	-332 bps
Share Growth (YoY)	n/a	n/a	n/a	13.50%	14.52%	17.84%	20.58%	0.51%	-1,300 bps
Asset Quality
Delinquent Loans / Loans	2.55%	1.25%	1.73%	0.57%	0.50%	0.31%	1.44%	4.70%	+413 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	2.00%	1.67%	1.50%	2.40%	2.26%	1.90%	1.89%	2.05%	-35 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	46.10%	47.87%	49.95%	33.76%	45.11%	44.56%	45.11%	40.90%	+714 bps
Liquid Assets / Assets	37.25%	24.94%	22.35%	58.12%	47.04%	42.92%	35.87%	31.60%	-2,652 bps