Hobart, IN · Charter 10312
Q4 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.11% | 4.55% | 3.14% | 4.80% | 3.97% | 4.32% | 2.88% | 1.57% | -323 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 | 4.79% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 67.27% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.26% | 2.59% | 23.77% | 21.79% | 28.10% | 43.01% | 18.43% | 5.08% | -1,671 bps | |
| Loan Growth (YoY) | -0.77% | 9.37% | 70.68% | 60.83% | 45.40% | 30.30% | 8.11% | 2.51% | -5,832 bps | |
| Share Growth (YoY) | -1.23% | -0.32% | 1.94% | 3.41% | 6.82% | 26.03% | 33.42% | 9.16% | +576 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.87% | 5.79% | 3.27% | 6.09% | 10.20% | 16.45% | 17.35% | 15.44% | +935 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 | 2.66% | 2.65% | 1.91% | 1.90% | 1.83% | 2.04% | 1.77% | 1.86% | -5 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 | 87.98% | 90.57% | 120.63% | 121.58% | 119.76% | 93.64% | 97.74% | 114.17% | -741 bps | |
| Liquid Assets / Assets | 3.78% | 5.63% | 0.87% | 0.92% | 0.00% | 13.19% | 5.56% | 0.00% | -92 bps | |