EXHIBIT 99
VALLEY RIDGE FINANCIAL CORP.
PROFIT-SHARING AND 401(k) PLAN
PERFORMANCE TABLE
The following table illustrates the comparative investment performance of the investment options offered under the Valley Ridge Financial Corp. Profit-Sharing and 401(k) Plan. The table shows the value of a hypothetical initial investment of $1,000 invested on December 31, 1997, and its value as of December 31 of each subsequent year shown below. Results have been rounded to the nearest whole dollar:
| Initial |
|
|
|
Amcap Fund-A | $ 1,000 | $ 1,226 | $ 1,493 | $ 1,605 |
Europacific Growth Fund-A | 1,000 | 1,089 | 1,709 | 1,404 |
The Growth Fund of America-A | 1,000 | 1,242 | 1,809 | 1,945 |
The New Economy Fund-A | 1,000 | 1,214 | 1,771 | 1,484 |
New Perspective Fund-A | 1,000 | 1,211 | 1,696 | 1,573 |
Smallcap World Fund-A | 1,000 | 946 | 1,530 | 1,292 |
American Mutual Fund-A | 1,000 | 1,082 | 1,080 | 1,179 |
Capital World Growth and Income Fund-A | 1,000 | 1,095 | 1,394 | 1,413 |
Fundamental Investors, Inc.-A | 1,000 | 1,100 | 1,371 | 1,429 |
The Investment Company of America-A | 1,000 | 1,159 | 1,351 | 1,402 |
Washington Mutual Investors Fund-A | 1,000 | 1,125 | 1,138 | 1,241 |
Capital Income Builder, Inc.-A | 1,000 | 1,053 | 1,024 | 1,152 |
The Income Fund of America-A | 1,000 | 1,032 | 1,037 | 1,141 |
American Balanced Fund-A | 1,000 | 1,047 | 1,083 | 1,255 |
American High-Income Trust-A | 1,000 | 978 | 1,052 | 1,018 |
The Bond Fund of America-A | 1,000 | 1,012 | 1,035 | 1,099 |
Capital World Bond Fund-A | 1,000 | 1,060 | 1,027 | 1,042 |
Intermediate Bond Fund of America-A | 1,000 | 1,027 | 1,038 | 1,143 |
U.S. Government Securities Fund-A | 1,000 | 1,038 | 1,021 | 1,143 |
The Cash Management Trust of America-A | 1,000 | 1,050 | 1,100 | 1,165 |
Valley Ridge Financial Corp. Common | 1,000 | 1,285 | 1,463 | 1,535 |
This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933.
