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, 1998, 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 | $ 1,148 | $ 1,234 | $ 1,172 |
Europacific Growth Fund-A | 1,000 | 1,480 | 1,216 | 1,068 |
The Growth Fund of America-A | 1,000 | 1,373 | 1,476 | 1,295 |
The New Economy Fund-A | 1,000 | 1,375 | 1,152 | 952 |
New Perspective Fund-A | 1,000 | 1,320 | 1,225 | 1,123 |
Smallcap World Fund-A | 1,000 | 1,524 | 1,287 | 1,063 |
American Mutual Fund-A | 1,000 | 941 | 1,027 | 1,093 |
Capital World Growth and Income Fund-A | 1,000 | 1,200 | 1,216 | 1,156 |
Fundamental Investors, Inc.-A | 1,000 | 1,174 | 1,224 | 1,108 |
The Investment Company of America-A | 1,000 | 1,098 | 1,141 | 1,088 |
Washington Mutual Investors Fund-A | 1,000 | 953 | 1,040 | 1,055 |
Capital Income Builder, Inc.-A | 1,000 | 916 | 1,031 | 1,080 |
The Income Fund of America-A | 1,000 | 947 | 1,042 | 1,098 |
American Balanced Fund-A | 1,000 | 975 | 1,130 | 1,222 |
American High-Income Trust-A | 1,000 | 1,035 | 1,002 | 1,076 |
The Bond Fund of America-A | 1,000 | 985 | 1,046 | 1,120 |
Capital World Bond Fund-A | 1,000 | 933 | 946 | 961 |
Intermediate Bond Fund of America-A | 1,000 | 972 | 1,071 | 1,145 |
U.S. Government Securities Fund-A | 1,000 | 947 | 1,060 | 1,128 |
The Cash Management Trust of America-A | 1,000 | 1,047 | 1,109 | 1,148 |
Valley Ridge Financial Corp. Common | 1,000 | 1,170 | 1,227 | 1,209 |
This document constitutes part of a prospectus covering securities that have been
registered under the Securities Act of 1933.
