Flora, IN · Cert 13815
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.95% | 0.83% | 1.44% | 1.30% | 1.31% | 1.24% | +41 bps | |
| Return on Equity | n/a | n/a | 12.30% | 8.53% | 12.70% | 11.63% | 11.37% | 11.02% | +249 bps | |
| Net Interest Margin | n/a | 3.86% | 4.16% | 4.08% | 3.92% | 3.90% | 3.95% | 4.20% | +12 bps | |
| Efficiency Ratio | n/a | 50.65% | 52.22% | 70.08% | 53.72% | 54.91% | 56.01% | 60.61% | -947 bps | |
| Non-Interest Burden | n/a | 1.60% | 1.88% | 2.68% | 1.65% | 1.76% | 1.88% | 2.19% | -49 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% | -0.07% | 0.03% | 0.22% | 0.12% | 0.11% | 0.10% | +6 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 |