Ting C.U. of Illinois

Hammond, IL · Charter 60339

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.

Hammond, IL · Charter 60339

Q4 1996

$535KAssets

$390KLoans

$466KShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.24%-6 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	2.97%	3.30%	4.42%	4.14%	1.34%	3.24%	-6 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	0.76%	-12.05%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-9.55%	-12.94%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	1.07%	-13.86%	n/a
Asset Quality
Delinquent Loans / Loans	1.20%	1.19%	0.05%	0.87%	0.00%	0.00%	-119 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.65%	0.92%	0.25%	0.40%	0.34%	0.65%	-27 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	83.99%	82.78%	96.72%	86.05%	75.17%	83.66%	+88 bps
Liquid Assets / Assets	7.01%	25.87%	13.31%	22.82%	31.83%	26.28%	+40 bps