Springfield Bell

Springfield, IL · Charter 65825

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.

Springfield, IL · Charter 65825

Q4 1997

$16.8MAssets

$12.1MLoans

$14.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.21%+31 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	3.91%	3.85%	4.19%	4.17%	4.21%	+31 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	1.38%	-2.39%	4.83%	4.35%	n/a
Loan Growth (YoY)	n/a	20.43%	14.28%	12.18%	10.43%	n/a
Share Growth (YoY)	n/a	-0.93%	-5.15%	2.28%	1.56%	n/a
Asset Quality
Delinquent Loans / Loans	1.35%	0.78%	1.28%	0.78%	0.18%	-117 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.21%	0.80%	0.86%	0.66%	0.58%	-63 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	78.53%	71.21%	81.76%	78.55%	85.38%	+685 bps
Liquid Assets / Assets	14.72%	27.22%	16.43%	16.57%	11.10%	-361 bps