Morrison General Electric Emp

Morrison, IL · Charter 13793

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.

Morrison, IL · Charter 13793

Q4 1997

$12.7MAssets

$9.0MLoans

$11.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.32%+34 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 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.98%	3.60%	3.91%	3.91%	4.32%	+34 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	-8.77%	-6.29%	0.57%	2.02%	n/a
Loan Growth (YoY)	n/a	18.78%	12.96%	20.33%	30.17%	n/a
Share Growth (YoY)	n/a	-10.59%	-8.53%	0.71%	0.30%	n/a
Asset Quality
Delinquent Loans / Loans	0.47%	0.52%	0.32%	0.37%	0.32%	-16 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.49%	0.44%	0.48%	0.46%	0.46%	-3 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	63.05%	63.34%	70.75%	73.91%	81.83%	+1,878 bps
Liquid Assets / Assets	29.28%	39.74%	28.20%	31.49%	25.93%	-335 bps