Northern Illinois Water Corporation

Sidney, IL · Charter 65455

Q2 1999

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 1999, the quarter ended June 30, 1999, 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.

Sidney, IL · Charter 65455

Q2 1999

$244KAssets

$147KLoans

$196KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-0.94%-351 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	Q2 1998	Q4 1998	Q2 1999	YoY Δ	Trend
Earnings
Return on Assets	2.49%	1.93%	3.39%	2.57%	1.96%	1.36%	1.43%	-0.94%	-351 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	-22.67%	-19.23%	-6.19%	-10.26%	-6.55%	-13.69%	-15.32%	-913 bps
Loan Growth (YoY)	n/a	-22.07%	-42.99%	-38.94%	-28.62%	-24.78%	-0.19%	12.93%	+5,187 bps
Share Growth (YoY)	n/a	-27.50%	-23.88%	-9.29%	-13.08%	-9.26%	-16.68%	-17.52%	-822 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	7.39%	6.48%	1.18%	0.00%	1.78%	4.59%	-189 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	1.32%	1.71%	2.38%	2.52%	0.78%	0.43%	1.04%	0.45%	-207 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	72.26%	67.38%	51.56%	54.69%	59.34%	55.85%	61.76%	74.88%	+2,019 bps
Liquid Assets / Assets	21.61%	42.72%	57.57%	53.39%	45.00%	45.95%	37.46%	39.05%	-1,434 bps