C.D.&D.

Champaign, IL · Charter 66023

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.

Champaign, IL · Charter 66023

Q2 1999

$73KAssets

$2KLoans

$70KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.04%+106 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	2.80%	1.21%	2.46%	2.98%	4.65%	3.05%	2.71%	4.04%	+106 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	60.67%	54.45%	20.55%	-1.60%	-8.18%	-9.23%	-2.39%	-2,294 bps
Loan Growth (YoY)	n/a	-34.47%	-2.12%	-2.75%	-10.88%	-6.39%	-69.81%	-89.85%	-8,711 bps
Share Growth (YoY)	n/a	87.18%	73.09%	28.52%	-4.74%	-13.51%	-7.16%	23.89%	-463 bps
Asset Quality
Delinquent Loans / Loans	0.00%	6.68%	4.35%	25.61%	5.68%	33.41%	57.01%	100.00%	+7,439 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	6.30%	8.32%	5.42%	6.51%	7.07%	1.91%	3.88%	13.87%	+736 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	34.03%	20.49%	27.77%	34.91%	31.84%	22.17%	9.03%	2.86%	-3,205 bps
Liquid Assets / Assets	19.56%	59.74%	54.82%	60.38%	54.97%	36.25%	33.33%	46.46%	-1,392 bps