Flora, IN · Cert 13815
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.
Flora, IN · Cert 13815
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 | 1.13% | 1.41% | 1.19% | 1.07% | 1.16% | 1.30% | 1.31% | 1.29% | +22 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 11.63% | 11.47% | 11.48% | n/a | |
| Net Interest Margin | n/a | 3.86% | 4.06% | 4.17% | 4.02% | 3.90% | 3.89% | 4.15% | -2 bps | |
| Efficiency Ratio | n/a | 50.65% | 51.44% | 57.46% | 56.50% | 54.91% | 55.46% | 57.21% | -25 bps | |
| Non-Interest Burden | n/a | 1.60% | 1.76% | 2.11% | 1.95% | 1.76% | 1.80% | 2.01% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.31% | 5.72% | -1.63% | -1.05% | -6.43% | -6.62% | -4.57% | -10.09% | -904 bps | |
| Loan Growth (YoY) | -0.62% | -4.75% | -3.71% | -3.16% | -8.97% | -10.38% | -6.78% | -6.42% | -327 bps | |
| Deposit Growth (YoY) | 6.38% | 4.63% | 2.34% | -3.63% | -8.64% | -11.70% | -9.93% | -12.05% | -841 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 | -0.01% | -0.04% | -0.02% | 0.04% | 0.12% | 0.12% | 0.11% | +12 bps | |
| Allowance / Loans | n/a | 1.36% | 1.69% | 1.69% | 1.73% | 1.74% | 1.73% | 1.69% | 0 bps | |
| 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 | 10.59% | 11.44% | 16.43% | 16.01% | 16.61% | 16.52% | 15.42% | -101 bps | |
| Equity / Assets | n/a | 7.57% | 7.87% | 11.55% | 11.11% | 11.27% | 11.80% | 10.69% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.78% | 96.28% | 95.54% | 99.80% | 98.42% | 97.72% | 98.88% | 106.18% | +638 bps | |
| Liquid Assets / Assets | 0.00% | 1.96% | 2.44% | 1.99% | 2.54% | 2.21% | 1.77% | 1.78% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |