N.S.I.A.L.

Carol Stream, IL · Charter 67018

Q4 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: Q4 1997, the quarter ended December 31, 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.

Carol Stream, IL · Charter 67018

Q4 1997

$359KAssets

$375KLoans

$319KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

6.35%+364 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	2.71%	3.59%	1.23%	3.17%	6.35%	+364 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	40.77%	73.66%	81.92%	76.52%	n/a
Loan Growth (YoY)	n/a	38.57%	70.46%	84.53%	108.38%	n/a
Share Growth (YoY)	n/a	75.23%	126.29%	95.55%	94.23%	n/a
Asset Quality
Delinquent Loans / Loans	5.94%	4.16%	2.48%	4.51%	7.40%	+146 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.32%	1.07%	2.48%	4.35%	3.83%	+150 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	109.86%	109.63%	109.75%	122.58%	117.86%	+800 bps
Liquid Assets / Assets	2.58%	3.38%	2.52%	2.22%	2.58%	0 bps