Alt-Wood

Alton, IL · Charter 65258

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.

Alton, IL · Charter 65258

Q4 1997

$9.2MAssets

$6.9MLoans

$8.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-0.52%-387 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	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	3.35%	3.28%	3.10%	-0.20%	-0.52%	-387 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	33.70%	33.30%	28.42%	15.68%	n/a
Loan Growth (YoY)	n/a	116.07%	95.80%	52.35%	27.01%	n/a
Share Growth (YoY)	n/a	31.02%	39.46%	33.64%	21.65%	n/a
Asset Quality
Delinquent Loans / Loans	0.32%	0.60%	6.38%	4.44%	6.25%	+593 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.65%	0.41%	0.84%	1.66%	3.94%	+329 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	75.85%	97.26%	90.47%	76.70%	79.19%	+335 bps
Liquid Assets / Assets	21.98%	6.48%	2.70%	20.44%	18.81%	-317 bps