Honeywell Employees

Arlington Hgh, IL · Charter 81131

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.

Arlington Hgh, IL · Charter 81131

Q2 1996

$1.6MAssets

$723KLoans

$1.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.93%+138 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	3.55%	3.81%	5.50%	4.96%	4.93%	+138 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	-8.71%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	29.01%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-14.87%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.23%	0.16%	0.13%	2.50%	2.34%	+211 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.66%	0.48%	0.39%	0.78%	0.91%	+25 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	42.68%	64.53%	87.42%	76.98%	64.68%	+2,200 bps
Liquid Assets / Assets	47.57%	21.45%	18.44%	18.72%	29.18%	-1,839 bps