Pana Area

Pana, IL · Charter 64700

Q4 1997

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 1997, the quarter ended December 31, 1997, 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.

Pana, IL · Charter 64700

Q4 1997

$1.4MAssets

$655KLoans

$1.3MShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.04%-7 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	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	-2.12%	-1.40%	1.21%	1.12%	2.93%	1.87%	0.84%	1.04%	-7 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	n/a	-24.05%	-25.87%	-9.32%	-9.41%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	41.90%	79.00%	82.50%	27.78%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	-23.78%	-25.87%	-7.47%	-7.77%	n/a
Asset Quality
Delinquent Loans / Loans	7.89%	9.31%	10.16%	3.13%	4.53%	5.40%	5.00%	5.45%	+232 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	4.79%	8.87%	8.72%	3.93%	2.62%	2.91%	3.74%	3.63%	-30 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	28.11%	28.51%	29.83%	37.46%	52.33%	68.84%	58.84%	51.90%	+1,444 bps
Liquid Assets / Assets	71.45%	73.18%	70.93%	64.19%	48.95%	32.56%	43.22%	44.79%	-1,940 bps