Champaign Bell

Champaign, IL · Charter 65345

Q4 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: Q4 1998, the quarter ended December 31, 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.

Champaign, IL · Charter 65345

Q4 1998

$3.0MAssets

$1.2MLoans

$2.4MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.29%+38 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 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	Q4 1998	YoY Δ	Trend
Earnings
Return on Assets	3.62%	2.77%	2.56%	2.92%	2.73%	3.10%	3.04%	3.29%	+38 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	-19.82%	-19.87%	-3.00%	-7.22%	-6.39%	-5.22%	+1,465 bps
Loan Growth (YoY)	n/a	n/a	0.40%	-10.88%	-20.45%	-29.94%	-36.30%	-31.68%	-2,080 bps
Share Growth (YoY)	n/a	n/a	-25.08%	-23.13%	-4.74%	-9.81%	-8.22%	-9.60%	+1,353 bps
Asset Quality
Delinquent Loans / Loans	3.86%	3.67%	1.75%	2.95%	9.22%	5.37%	2.70%	2.44%	-51 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	0.69%	1.61%	1.97%	2.31%	2.34%	2.68%	2.12%	1.82%	-49 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	69.45%	76.19%	69.54%	65.20%	57.99%	59.18%	48.27%	49.27%	-1,593 bps
Liquid Assets / Assets	39.65%	14.14%	21.49%	23.55%	33.24%	52.21%	32.32%	59.42%	+3,587 bps