Third United Methodist

Decatur, IL · Charter 62456

Q4 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: Q4 1998, the quarter ended December 31, 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.

Decatur, IL · Charter 62456

Q4 1998

$298KAssets

$87KLoans

$246KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.89%-170 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.28%	4.01%	4.00%	3.59%	3.43%	2.93%	-0.48%	1.89%	-170 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	-17.13%	-16.55%	-16.83%	-14.70%	-18.63%	-28.29%	-1,174 bps
Loan Growth (YoY)	n/a	n/a	9.34%	33.91%	-8.76%	-12.95%	-24.47%	-31.36%	-6,527 bps
Share Growth (YoY)	n/a	n/a	-20.35%	-18.83%	-19.53%	-16.67%	-19.43%	-31.89%	-1,306 bps
Asset Quality
Delinquent Loans / Loans	0.36%	0.35%	16.34%	11.37%	9.14%	23.41%	26.27%	0.00%	-1,137 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	3.18%	3.32%	3.26%	3.26%	4.73%	1.22%	2.29%	3.24%	-2 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	27.48%	30.54%	34.36%	35.27%	31.16%	31.90%	32.21%	35.55%	+27 bps
Liquid Assets / Assets	16.68%	0.77%	16.14%	58.62%	27.97%	23.66%	70.48%	67.00%	+838 bps