Morgan Park

Chicago, IL · Charter 81171

Q2 2000

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 2000, the quarter ended June 30, 2000, 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 81171

Q2 2000

$128KAssets

$100KLoans

$133KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-6.17%-6,531 bps YoY

Net Interest Margin (YTD, annualized)

12.21%

Efficiency Ratio (YTD, annualized)

150.51%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	Q2 2000	YoY Δ	Trend
Earnings
Return on Assets	-0.19%	-3.73%	-2.23%	59.15%	-0.94%	-5.87%	-2.48%	-6.17%	-6,531 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	8.29%	12.21%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	122.42%	150.51%	n/a
Growth
Asset Growth (YoY)	-10.58%	-15.56%	-8.59%	-39.31%	-33.22%	-33.10%	-34.67%	-25.83%	+1,348 bps
Loan Growth (YoY)	-22.99%	-44.57%	-16.70%	-35.52%	-37.84%	-43.50%	-12.41%	6.28%	+4,180 bps
Share Growth (YoY)	-10.35%	-13.92%	-8.75%	-39.44%	-31.43%	-30.67%	-35.17%	-21.59%	+1,785 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	1.29%	1.80%	0.69%	0.10%	0.00%	-129 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	6.98%	8.40%	6.81%	10.01%	13.42%	17.25%	7.80%	9.42%	-59 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	56.73%	49.16%	59.30%	55.48%	51.42%	40.07%	80.12%	75.19%	+1,971 bps
Liquid Assets / Assets	30.33%	39.50%	35.93%	40.75%	38.41%	52.07%	20.45%	2.51%	-3,824 bps