Salem, IN · Charter 11692
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 | 7.29% | 6.06% | 4.41% | 7.23% | 1.26% | 3.27% | 4.12% | -13.91% | -2,115 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 | 2.11% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 78.24% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 6.76% | 4.68% | -7.44% | -15.39% | -12.85% | 0.31% | -8.06% | -62 bps | |
| Loan Growth (YoY) | 57.37% | 64.25% | 40.99% | -4.69% | -24.76% | -26.14% | -36.98% | -65.48% | -6,079 bps | |
| Share Growth (YoY) | 4.25% | 1.10% | 2.30% | -11.32% | -16.84% | -14.11% | 0.14% | 3.88% | +1,520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.08% | 2.51% | 9.33% | 9.73% | 17.77% | 18.08% | 24.91% | 25.32% | +1,559 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 | 3.29% | 4.70% | 5.22% | 5.38% | 8.61% | 10.10% | 1.87% | 29.39% | +2,402 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 | 76.90% | 74.24% | 81.08% | 84.46% | 69.57% | 63.85% | 51.03% | 28.07% | -5,640 bps | |
| Liquid Assets / Assets | 16.14% | 33.15% | 36.23% | 28.43% | 24.63% | 48.36% | 40.21% | 44.87% | +1,645 bps | |