Schuller Employees

Waukegan, IL · Charter 95820

Q2 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: Q2 1997, the quarter ended June 30, 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.

Waukegan, IL · Charter 95820

Q2 1997

$4.3MAssets

$1.2MLoans

$3.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.83%-245 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	YoY Δ	Trend
Earnings
Return on Assets	3.70%	3.85%	3.28%	4.17%	3.07%	3.39%	0.83%	-245 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	-20.57%	-18.62%	-17.36%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	21.45%	20.74%	-1.87%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-25.99%	-23.43%	-20.69%	n/a
Asset Quality
Delinquent Loans / Loans	5.01%	2.96%	2.69%	3.91%	2.47%	1.86%	3.04%	+35 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	0.66%	0.58%	0.57%	0.52%	0.46%	0.20%	0.13%	-44 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	23.67%	27.21%	30.05%	36.22%	38.84%	42.91%	37.19%	+713 bps
Liquid Assets / Assets	27.02%	21.22%	7.74%	16.21%	39.97%	49.54%	53.59%	+4,585 bps