Greensburg, IN · Cert 10093
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Greensburg, IN · Cert 10093
FDIC
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.02% | 1.09% | 1.12% | 1.17% | 1.38% | 1.42% | 1.37% | +25 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 14.81% | 15.12% | 14.57% | n/a | |
| Net Interest Margin | n/a | 3.53% | 3.52% | 3.62% | 3.71% | 4.26% | 4.18% | 4.12% | +49 bps | |
| Efficiency Ratio | n/a | 61.36% | 60.48% | 60.49% | 59.55% | 56.12% | 55.73% | 56.57% | -392 bps | |
| Non-Interest Burden | n/a | 1.79% | 1.71% | 1.76% | 1.75% | 1.94% | 1.86% | 1.86% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.54% | 10.29% | 7.73% | 0.61% | -2.19% | -3.69% | -3.69% | 0.70% | +8 bps | |
| Loan Growth (YoY) | 10.86% | 10.38% | 6.51% | 7.26% | 3.12% | -0.92% | -4.23% | -4.20% | -1,146 bps | |
| Deposit Growth (YoY) | 23.24% | 17.75% | 10.77% | -0.99% | -2.27% | -8.46% | -4.61% | -5.43% | -444 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | 0.23% | 0.16% | 0.11% | 0.09% | 0.07% | 0.08% | 0.08% | -4 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 10.48% | 10.94% | 11.46% | 11.77% | 11.81% | 11.30% | 11.63% | +17 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.80% | 72.79% | 75.16% | 76.53% | 72.60% | 78.78% | 75.46% | 77.52% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |