Corporate America Family

Elgin, IL · Charter 22529

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Elgin, IL · Charter 22529

Q4 1996

$227.4MAssets

$164.9MLoans

$201.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.56%+9 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	Q1 1996	Q2 1996	Q3 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.46%	4.86%	4.70%	n/a	4.56%	+9 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)	15.66%	20.02%	15.52%	18.28%	16.56%	+90 bps
Loan Growth (YoY)	8.76%	7.03%	8.99%	16.52%	21.26%	+1,250 bps
Share Growth (YoY)	15.86%	20.79%	15.66%	18.36%	16.24%	+38 bps
Asset Quality
Delinquent Loans / Loans	0.20%	0.22%	0.27%	0.25%	0.24%	+4 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.99%	1.02%	0.98%	0.96%	0.91%	-8 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	78.53%	72.23%	73.90%	78.40%	81.92%	+339 bps
Liquid Assets / Assets	17.30%	16.17%	9.87%	6.01%	6.16%	-1,115 bps