Figure 2: Cooperative’s ADC Concentration Compared to Peer Group
Description of Figure 2: The image is a line graph with two lines (Cooperative & Peer Group Average). Each line has 5 data points representing the period end dates - Dec -2004, Dec -2005, Dec -2006, Dec -2007, Dec -2008. On the Y-Axis is percentage values of ADC Loans to Total Capital ranging from 0 to 1000%. On the X-Axis are Period End Dates.

Cooperative

128%: Dec-2004
326%: Dec-2005
375%: Dec-2006
469%: Dec-2007
912%*: Dec-2008

Peer Group Average

81%: Dec-2004
104%: Dec-2005
117%: Dec-2006
124%: Dec-2007
111%: Dec-2008

Source: UBPRs for Cooperative.
* The sharp increase in the ADC loan concentration in December 2008 resulted from a decline in Cooperative’s capital rather than growth in ADC lending.