Decatur Purity Baking Co.

Decatur, IL · Charter 65276

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.

Decatur, IL · Charter 65276

Q4 1997

$1.1MAssets

$737KLoans

$1.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

-1.19%-746 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	6.27%	6.58%	6.70%	5.86%	-1.19%	-746 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	6.29%	2.53%	2.08%	-29.17%	n/a
Loan Growth (YoY)	n/a	1.62%	2.90%	-20.16%	-35.99%	n/a
Share Growth (YoY)	n/a	3.28%	-0.79%	-1.44%	-16.14%	n/a
Asset Quality
Delinquent Loans / Loans	2.35%	1.35%	2.19%	9.49%	18.00%	+1,565 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.48%	0.49%	0.47%	0.61%	9.78%	+930 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	87.27%	88.97%	95.24%	73.24%	66.61%	-2,066 bps
Liquid Assets / Assets	17.58%	20.28%	17.61%	16.32%	16.15%	-143 bps