Streator Onized

Streator, IL · Charter 3467

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.

Streator, IL · Charter 3467

Q4 1996

$41.9MAssets

$34.4MLoans

$37.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

5.19%-13 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 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	5.17%	5.32%	5.17%	5.35%	5.15%	5.19%	-13 bps
Return on Equity	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
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	23.06%	24.41%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	17.01%	17.86%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	22.47%	23.14%	n/a
Asset Quality
Delinquent Loans / Loans	0.38%	0.71%	0.98%	1.12%	0.81%	1.61%	+90 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.68%	0.66%	0.67%	0.80%	0.78%	0.81%	+15 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	90.21%	96.26%	90.14%	91.55%	86.19%	92.13%	-413 bps
Liquid Assets / Assets	14.06%	9.48%	13.99%	12.79%	17.98%	12.72%	+324 bps