St. Lawrence Parish

So. Wilmington, IL · Charter 81656

Q2 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: Q2 1998, the quarter ended June 30, 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.

So. Wilmington, IL · Charter 81656

Q2 1998

$182KAssets

$39KLoans

$143KShares

n/aNet Worth

Return on Assets (YTD, annualized)

1.30%-40 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	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	2.65%	2.38%	3.30%	1.71%	2.16%	2.76%	2.81%	1.30%	-40 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	n/a	4.90%	-4.00%	-3.86%	-2.57%	-9.60%	-1,450 bps
Loan Growth (YoY)	n/a	n/a	n/a	0.13%	-13.21%	-30.01%	-28.91%	-54.08%	-5,421 bps
Share Growth (YoY)	n/a	n/a	n/a	4.29%	-6.31%	-6.39%	-3.96%	-6.29%	-1,058 bps
Asset Quality
Delinquent Loans / Loans	2.78%	25.61%	32.33%	38.79%	23.63%	32.58%	31.20%	8.43%	-3,035 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	2.75%	2.36%	2.86%	2.88%	3.17%	3.38%	4.02%	0.10%	-277 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	55.83%	66.15%	54.84%	55.94%	51.72%	49.47%	40.59%	27.41%	-2,853 bps
Liquid Assets / Assets	22.54%	36.86%	37.95%	39.30%	41.44%	42.51%	43.16%	29.05%	-1,025 bps