North Vernon, IN · Cert 10479
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
North Vernon, IN · Cert 10479
FDIC
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 2.30% | 2.26% | 2.21% | 2.01% | 1.69% | 1.71% | 1.73% | -48 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 | 4.30% | 4.31% | 4.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 40.49% | 40.01% | 40.65% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 1.39% | 1.37% | 1.44% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.72% | 14.52% | -0.54% | 13.43% | 13.26% | 6.65% | 10.50% | 3.59% | -985 bps | |
| Loan Growth (YoY) | 19.06% | 25.05% | 1.04% | 18.97% | 10.54% | 4.65% | 4.90% | 1.98% | -1,699 bps | |
| Deposit Growth (YoY) | 3.91% | 12.10% | -0.54% | 19.87% | 26.59% | 11.67% | 13.86% | 7.19% | -1,268 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 | n/a | n/a | n/a | n/a | 0.09% | 0.09% | 0.10% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.27% | 1.28% | 1.30% | 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 | n/a | n/a | n/a | n/a | 12.21% | 11.92% | 12.31% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 8.42% | 7.92% | 8.54% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.92% | 113.49% | 107.48% | 109.34% | 100.36% | 106.36% | 99.02% | 104.02% | -532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | 0.24% | 0.16% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |