Dynamic

Countryside, IL · Charter 67942

Q2 1996

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 1996, the quarter ended June 30, 1996, 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.

Countryside, IL · Charter 67942

Q2 1996

$34.5MAssets

$28.9MLoans

$31.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.27%+112 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	3.15%	3.13%	3.98%	3.50%	4.27%	+112 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	n/a	n/a	n/a	17.74%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	39.42%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	16.90%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.67%	0.68%	0.73%	0.90%	0.85%	+18 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.44%	1.41%	1.29%	1.76%	1.73%	+29 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	78.29%	85.83%	92.99%	99.88%	93.38%	+1,508 bps
Liquid Assets / Assets	15.34%	9.66%	9.28%	8.87%	12.80%	-255 bps