Independence County Federal Emp.

Batesville, AR · Charter 63734

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.

Batesville, AR · Charter 63734

Q4 1997

$801KAssets

$698KLoans

$673KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

4.03%-1 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	4.04%	5.34%	4.28%	4.29%	4.03%	-1 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	11.85%	24.45%	28.55%	34.44%	n/a
Loan Growth (YoY)	n/a	12.14%	23.96%	22.34%	43.63%	n/a
Share Growth (YoY)	n/a	12.12%	24.16%	42.09%	34.74%	n/a
Asset Quality
Delinquent Loans / Loans	0.80%	0.71%	0.33%	0.59%	4.19%	+339 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.20%	0.35%	0.66%	0.74%	0.70%	+50 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	97.29%	87.21%	89.12%	80.61%	103.71%	+642 bps
Liquid Assets / Assets	16.78%	0.00%	14.92%	14.79%	4.53%	-1,225 bps