Iaa

Bloomington, IL · Charter 17504

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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.

Bloomington, IL · Charter 17504

Q3 1999

$73.7MAssets

$54.1MLoans

$66.9MShares

n/aNet Worth

Return on Assets (YTD, annualized)

0.58%-386 bps YoY

Net Interest Margin (YTD, annualized)

3.26%

n/a

Efficiency Ratio (YTD, annualized)

84.67%

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q1 1998	Q2 1998	Q3 1998	Q4 1998	Q1 1999	Q2 1999	Q3 1999	YoY Δ	Trend
Earnings
Return on Assets	4.39%	4.49%	4.37%	4.44%	4.25%	4.20%	4.22%	0.58%	-386 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	3.26%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	84.67%	n/a	n/a
Growth
Asset Growth (YoY)	3.48%	6.54%	8.07%	7.21%	13.20%	11.34%	9.11%	10.12%	+291 bps
Loan Growth (YoY)	11.59%	14.34%	14.69%	7.86%	5.28%	-0.09%	1.07%	6.41%	-145 bps
Share Growth (YoY)	2.94%	6.34%	8.07%	7.05%	13.67%	11.62%	9.14%	10.41%	+336 bps
Asset Quality
Delinquent Loans / Loans	0.35%	0.13%	0.12%	0.04%	0.11%	0.10%	0.06%	0.09%	+5 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	0.17%	0.16%	0.25%	0.27%	0.26%	0.25%	0.24%	0.23%	-4 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	84.87%	82.96%	84.74%	83.98%	78.61%	74.26%	78.48%	80.94%	-304 bps
Liquid Assets / Assets	9.82%	11.64%	10.40%	12.57%	16.98%	16.18%	12.16%	9.84%	-273 bps