Champaign Meadow Gold

Mahomet, IL · Charter 65827

Q4 1996

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 1996, the quarter ended December 31, 1996, 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.

Mahomet, IL · Charter 65827

Q4 1996

$302KAssets

$213KLoans

$247KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

1.91%-50 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 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	2.41%	2.85%	3.38%	3.65%	1.91%	-50 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	n/a	n/a	-17.18%	-35.18%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	7.70%	-16.42%	n/a
Share Growth (YoY)	n/a	n/a	n/a	-21.03%	-39.78%	n/a
Asset Quality
Delinquent Loans / Loans	1.07%	3.85%	1.40%	5.30%	28.48%	+2,741 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.89%	3.15%	3.02%	2.78%	5.61%	+272 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	62.16%	59.69%	66.06%	75.32%	86.28%	+2,411 bps
Liquid Assets / Assets	39.96%	39.63%	32.54%	30.01%	26.25%	-1,371 bps