Cass County Farm Bureau

Logansport, IN · Charter 64916

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.

Logansport, IN · Charter 64916

Q2 1998

$3.5MAssets

$2.3MLoans

$3.1MShares

n/aNet Worth

Return on Assets (YTD, annualized)

3.40%-56 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	4.10%	4.13%	4.11%	3.96%	3.97%	3.70%	3.80%	3.40%	-56 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	11.85%	8.76%	9.03%	3.86%	1.39%	-1,047 bps
Loan Growth (YoY)	n/a	n/a	n/a	39.98%	10.68%	-4.48%	-11.73%	-1.03%	-4,101 bps
Share Growth (YoY)	n/a	n/a	n/a	11.28%	7.93%	8.42%	2.57%	-0.01%	-1,129 bps
Asset Quality
Delinquent Loans / Loans	1.19%	0.67%	0.45%	1.31%	0.69%	0.05%	0.56%	0.74%	-57 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	1.14%	0.98%	0.94%	0.95%	0.85%	0.57%	0.65%	0.60%	-35 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	70.02%	80.12%	76.96%	75.50%	71.80%	70.59%	66.23%	74.74%	-77 bps
Liquid Assets / Assets	30.50%	21.52%	24.65%	26.18%	29.61%	36.46%	40.29%	33.00%	+682 bps