Christian Hope

Chicago, IL · Charter 66219

Q4 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: Q4 1999, the quarter ended December 31, 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 66219

Q4 1999

$393KAssets

$289KLoans

$327KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.36%-224 bps YoY

Net Interest Margin (YTD, annualized)

9.38%

n/a

Efficiency Ratio (YTD, annualized)

80.63%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	3.48%	5.21%	0.80%	4.60%	-2.54%	-3.14%	4.48%	2.36%	-224 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	9.38%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	80.63%	n/a	n/a
Growth
Asset Growth (YoY)	18.04%	5.14%	-3.94%	4.92%	141.64%	305%	400%	427%	+42,219 bps
Loan Growth (YoY)	45.78%	4.17%	18.96%	47.96%	57.10%	643%	684%	550%	+50,181 bps
Share Growth (YoY)	14.94%	-3.04%	-10.90%	-0.56%	185.25%	377%	546%	523%	+52,331 bps
Asset Quality
Delinquent Loans / Loans	24.75%	18.73%	14.88%	17.46%	3.24%	7.37%	2.69%	10.27%	-719 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	0.42%	0.48%	0.38%	0.00%	0.27%	0.36%	10.88%	9.50%	+950 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	59.88%	57.92%	72.97%	84.75%	32.98%	90.24%	88.55%	88.43%	+368 bps
Liquid Assets / Assets	6.20%	40.64%	34.55%	36.79%	40.67%	20.47%	16.95%	11.86%	-2,494 bps