Peru Catholic

Peru, IL · Charter 61841

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.

Peru, IL · Charter 61841

Q4 1996

$205KAssets

$180KLoans

$178KShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.77%-57 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	2.51%	3.34%	1.42%	2.74%	1.63%	2.77%	-57 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	-25.69%	-23.29%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	3.62%	-9.50%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-27.39%	-25.87%	n/a
Asset Quality
Delinquent Loans / Loans	6.72%	8.70%	7.33%	3.39%	7.71%	13.72%	+502 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.58%	1.69%	1.72%	1.95%	2.21%	1.83%	+14 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	67.96%	82.99%	95.14%	97.09%	96.99%	101.32%	+1,833 bps
Liquid Assets / Assets	37.06%	23.90%	12.60%	12.35%	13.34%	11.32%	-1,258 bps