Meansco Decatur

Decatur, IL · Charter 15349

Q4 1998

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 1998, the quarter ended December 31, 1998, 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.

Decatur, IL · Charter 15349

Q4 1998

$126KAssets

$60KLoans

$83KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.34%-99 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.88%	4.10%	4.01%	4.33%	3.39%	3.69%	3.44%	3.34%	-99 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	17.27%	11.10%	19.29%	8.37%	-0.42%	7.68%	-342 bps
Loan Growth (YoY)	n/a	n/a	-1.43%	-24.24%	-7.50%	10.49%	-12.62%	6.13%	+3,037 bps
Share Growth (YoY)	n/a	n/a	18.67%	9.71%	23.09%	6.13%	-5.65%	13.48%	+377 bps
Asset Quality
Delinquent Loans / Loans	1.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 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	3.13%	3.33%	2.76%	3.58%	3.38%	3.02%	3.16%	3.37%	-21 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	87.78%	82.18%	87.24%	77.52%	65.96%	85.56%	80.79%	72.50%	-502 bps
Liquid Assets / Assets	43.06%	44.12%	39.16%	50.75%	52.81%	44.79%	45.67%	44.42%	-633 bps