Medical Professions

Madison, IN · Charter 24401

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.

Madison, IN · Charter 24401

Q2 1998

$1.2MAssets

$790KLoans

$1.1MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.56%-77 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 1996	Q4 1996	Q2 1997	Q4 1997	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	5.33%	4.88%	4.10%	4.36%	4.56%	-77 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)	14.75%	10.60%	25.14%	18.89%	-7.26%	-2,201 bps
Loan Growth (YoY)	91.19%	78.02%	66.03%	12.38%	-13.04%	-10,423 bps
Share Growth (YoY)	11.27%	1.26%	26.07%	17.24%	-8.30%	-1,956 bps
Asset Quality
Delinquent Loans / Loans	0.02%	0.71%	0.18%	0.00%	0.00%	-2 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.31%	0.28%	0.31%	0.31%	0.36%	+5 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	73.96%	87.10%	76.71%	82.76%	70.13%	-383 bps
Liquid Assets / Assets	9.16%	11.67%	22.54%	19.52%	12.80%	+364 bps