Cds-Employees

Carol Stream, IL · Charter 81713

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Carol Stream, IL · Charter 81713

Q4 1997

$1.8MAssets

$574KLoans

$1.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.28%-84 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	4.52%	4.65%	4.78%	5.12%	4.65%	4.81%	4.02%	4.28%	-84 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	n/a	-28.75%	-32.49%	-35.24%	-28.71%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	6.70%	-1.23%	-11.83%	-29.90%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-32.07%	-36.25%	-39.43%	-32.21%	n/a
Asset Quality
Delinquent Loans / Loans	2.84%	1.45%	3.02%	2.78%	3.15%	3.91%	4.55%	3.87%	+109 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	2.81%	1.95%	2.32%	1.56%	1.63%	1.79%	2.45%	1.74%	+18 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	26.99%	28.39%	30.85%	36.88%	42.39%	43.99%	44.91%	38.13%	+125 bps
Liquid Assets / Assets	24.09%	31.50%	38.53%	33.35%	28.61%	36.16%	45.67%	54.96%	+2,161 bps