Jackson County Co-op

Seymour, IN · Charter 65287

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.

Seymour, IN · Charter 65287

Q2 1998

$8.1MAssets

$6.4MLoans

$7.0MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.88%+14 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	5.73%	4.99%	5.87%	5.24%	5.88%	+14 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)	9.10%	18.34%	22.18%	25.62%	10.83%	+173 bps
Loan Growth (YoY)	14.35%	18.23%	27.55%	27.32%	20.20%	+585 bps
Share Growth (YoY)	6.25%	10.18%	22.24%	26.40%	9.59%	+334 bps
Asset Quality
Delinquent Loans / Loans	1.04%	0.95%	1.92%	1.05%	1.21%	+17 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.11%	1.15%	0.97%	0.98%	0.94%	-17 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	82.92%	97.09%	90.96%	91.78%	90.95%	+803 bps
Liquid Assets / Assets	20.80%	10.56%	12.94%	14.66%	13.32%	-747 bps