Oregon Community

Oregon, IL · Charter 64949

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.

Oregon, IL · Charter 64949

Q2 1998

$859KAssets

$840KLoans

$936KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-23.85%-2,908 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	5.23%	4.75%	4.20%	4.78%	-23.85%	-2,908 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)	-8.05%	-1.61%	15.78%	17.92%	-24.32%	-1,628 bps
Loan Growth (YoY)	15.51%	51.46%	106.18%	235%	113.75%	+9,823 bps
Share Growth (YoY)	-10.15%	-4.65%	18.43%	13.68%	-2.40%	+775 bps
Asset Quality
Delinquent Loans / Loans	1.05%	0.31%	0.21%	8.32%	27.53%	+2,648 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.55%	1.70%	1.21%	0.78%	10.72%	+817 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	40.94%	56.90%	68.52%	109.36%	89.66%	+4,872 bps
Liquid Assets / Assets	0.00%	47.68%	37.48%	7.18%	2.98%	+298 bps