Tribune Employees

Chicago, IL · Charter 81709

Q4 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: Q4 1996, the quarter ended December 31, 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.

Chicago, IL · Charter 81709

Q4 1996

$6.4MAssets

$5.0MLoans

$5.8MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-1.62%-429 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	YoY Δ	Trend
Earnings
Return on Assets	2.67%	2.84%	2.82%	-0.03%	-1.62%	-429 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	-5.81%	-10.85%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	21.18%	23.72%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-7.10%	-9.15%	n/a
Asset Quality
Delinquent Loans / Loans	0.45%	0.66%	0.33%	3.89%	12.71%	+1,226 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.15%	1.81%	1.04%	2.25%	5.69%	+354 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	63.17%	64.01%	73.13%	80.47%	86.03%	+2,286 bps
Liquid Assets / Assets	11.36%	16.80%	10.80%	14.27%	19.77%	+840 bps