Crossroads

Effingham, IL · Charter 61798

Q2 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: Q2 1998, the quarter ended June 30, 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.

Effingham, IL · Charter 61798

Q2 1998

$3.0MAssets

$1.4MLoans

$2.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.15%+12 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	3.65%	4.10%	3.97%	3.03%	3.94%	4.77%	4.95%	3.15%	+12 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	n/a	5.90%	11.51%	14.73%	8.24%	8.66%	+276 bps
Loan Growth (YoY)	n/a	n/a	n/a	26.44%	49.14%	13.75%	4.51%	-4.21%	-3,065 bps
Share Growth (YoY)	n/a	n/a	n/a	5.87%	12.26%	15.65%	6.60%	9.70%	+383 bps
Asset Quality
Delinquent Loans / Loans	5.41%	3.25%	2.55%	0.53%	2.25%	2.57%	3.09%	2.67%	+215 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	2.10%	1.89%	1.27%	1.20%	1.32%	1.86%	1.72%	1.86%	+67 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	60.45%	67.45%	78.64%	64.43%	80.30%	66.35%	77.09%	56.25%	-817 bps
Liquid Assets / Assets	41.94%	39.19%	31.96%	40.13%	27.88%	39.65%	34.35%	49.07%	+894 bps