Superior Coffee

Bensenville, IL · Charter 81258

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.

Bensenville, IL · Charter 81258

Q2 2000

$1.5MAssets

$991KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.69%-436 bps YoY

Net Interest Margin (YTD, annualized)

3.43%

Efficiency Ratio (YTD, annualized)

67.56%

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	5.44%	5.17%	5.44%	5.05%	5.28%	5.24%	0.83%	0.69%	-436 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	3.08%	3.43%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	60.47%	67.56%	n/a
Growth
Asset Growth (YoY)	-0.26%	15.30%	15.24%	20.49%	21.56%	11.25%	4.52%	-2.53%	-2,302 bps
Loan Growth (YoY)	-5.87%	2.37%	25.80%	14.08%	25.36%	-0.15%	-5.48%	-2.74%	-1,682 bps
Share Growth (YoY)	-2.78%	14.29%	14.54%	20.81%	22.33%	10.71%	3.43%	-4.63%	-2,544 bps
Asset Quality
Delinquent Loans / Loans	2.15%	1.61%	1.60%	1.30%	2.80%	4.73%	4.19%	3.34%	+204 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	2.80%	2.47%	1.94%	2.43%	2.87%	3.26%	2.73%	2.88%	+45 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	67.72%	77.28%	81.88%	73.90%	69.40%	69.69%	74.83%	75.37%	+147 bps
Liquid Assets / Assets	40.49%	3.22%	27.92%	33.89%	38.12%	37.57%	3.49%	0.00%	-3,389 bps