Controls

Bloomington, IL · Charter 64289

Q2 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: Q2 1996, the quarter ended June 30, 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.

Bloomington, IL · Charter 64289

Q2 1996

$3.9MAssets

$2.3MLoans

$3.5MShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.49%+136 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	YoY Δ	Trend
Earnings
Return on Assets	3.13%	4.59%	5.12%	4.83%	4.49%	+136 bps
Return on Equity	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
Efficiency Ratio	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%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	12.04%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-1.82%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.81%	1.41%	1.01%	1.40%	2.32%	+51 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.97%	0.67%	0.41%	0.71%	0.87%	-10 bps
Capital
Risk-Based Capital	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
Liquidity & Funding
Loans / Shares	56.97%	62.00%	65.18%	68.02%	65.01%	+804 bps
Liquid Assets / Assets	29.76%	32.79%	9.76%	5.34%	23.24%	-653 bps