Anderson Community Hospital

Anderson, IN · Charter 17177

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.

Anderson, IN · Charter 17177

Q4 1997

$2.7MAssets

$1.9MLoans

$2.2MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.79%-64 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	5.43%	4.14%	4.68%	4.19%	4.79%	-64 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	3.35%	7.41%	4.78%	1.92%	n/a
Loan Growth (YoY)	n/a	24.46%	10.54%	-3.60%	-1.15%	n/a
Share Growth (YoY)	n/a	0.71%	12.95%	2.73%	-0.82%	n/a
Asset Quality
Delinquent Loans / Loans	2.16%	0.82%	0.36%	0.07%	0.85%	-131 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.12%	1.07%	0.59%	0.68%	1.09%	-3 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	89.98%	68.87%	83.05%	81.79%	89.68%	-30 bps
Liquid Assets / Assets	24.89%	34.96%	28.88%	30.01%	25.18%	+30 bps