Baxter

Deerfield, IL · Charter 81319

Q3 1995

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: Q3 1995, the quarter ended September 30, 1995, 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.

Deerfield, IL · Charter 81319

Q3 1995

$367.1MAssets

$282.2MLoans

$336.7MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.79%+6 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	Q1 1994	Q2 1994	Q3 1994	Q4 1994	Q1 1995	Q2 1995	Q3 1995	YoY Δ	Trend
Earnings
Return on Assets	4.57%	4.54%	4.73%	4.80%	4.80%	4.70%	4.79%	+6 bps
Return on Equity	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
Efficiency Ratio	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	n/a	9.88%	16.37%	17.87%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	10.00%	5.60%	4.23%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	9.03%	16.23%	18.26%	n/a
Asset Quality
Delinquent Loans / Loans	0.19%	0.19%	0.27%	0.20%	0.34%	0.49%	0.50%	+23 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.79%	0.80%	0.80%	0.77%	0.83%	0.79%	0.79%	-1 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	86.88%	90.00%	95.10%	97.56%	87.65%	81.77%	83.82%	-1,128 bps
Liquid Assets / Assets	14.52%	11.49%	8.29%	6.50%	15.46%	20.20%	18.39%	+1,010 bps