Local 743

Chicago, IL · Charter 81157

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 81157

Q2 1998

$1.8MAssets

$787KLoans

$1.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

-6.34%-948 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	1.94%	1.82%	1.97%	3.13%	2.48%	-0.87%	-6.51%	-6.34%	-948 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	-20.63%	-17.20%	-17.79%	-23.28%	-26.61%	-599 bps
Loan Growth (YoY)	n/a	n/a	n/a	152.58%	122.90%	72.93%	-26.93%	-57.74%	-21,032 bps
Share Growth (YoY)	n/a	n/a	n/a	-25.06%	-20.71%	-20.75%	-21.22%	-21.33%	+373 bps
Asset Quality
Delinquent Loans / Loans	2.61%	3.10%	2.84%	2.76%	2.64%	4.58%	16.72%	12.22%	+946 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	0.94%	1.02%	1.07%	0.26%	2.27%	1.24%	2.23%	3.79%	+353 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	42.07%	44.88%	85.87%	101.40%	118.27%	97.93%	79.64%	54.47%	-4,693 bps
Liquid Assets / Assets	0.00%	59.13%	26.06%	20.42%	0.00%	13.31%	0.00%	11.55%	-887 bps