Daviess County

Elnora, IN · Charter 20903

Q2 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: Q2 1996, the quarter ended June 30, 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.

Elnora, IN · Charter 20903

Q2 1996

$1.5MAssets

$1.1MLoans

$1.3MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.65%-266 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	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	YoY Δ	Trend
Earnings
Return on Assets	6.31%	5.54%	5.18%	5.52%	3.65%	-266 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	n/a	6.98%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	10.54%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	5.17%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.03%	1.58%	0.90%	2.18%	2.51%	+148 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.48%	0.53%	0.41%	0.45%	0.66%	+18 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	79.92%	78.10%	86.42%	93.44%	84.00%	+408 bps
Liquid Assets / Assets	22.57%	26.63%	20.55%	10.72%	15.94%	-663 bps